industry

Verification APIs for banks

One integration for the identity, business and account checks behind retail and business onboarding.

the problem

What teams deal with

Retail and business onboarding often run on different vendors and formats.
Audit and review teams need to see the source behind every result.
New products should reuse the checks you already have, not start a new integration.

apis

PAN verification API
Check that a PAN exists and is active, and see the permitted details on record, with the source and time of every field.
GSTIN verification API
Check a GSTIN’s registration status and the business details on record: legal and trade name, constitution, jurisdiction and activities.
CIN and LLPIN company data API
Look up a company or LLP by CIN or LLPIN and see its status, type, incorporation date and permitted officer details.
Bank account verification API
Check that a bank account exists and can receive funds, and compare the account holder’s name with the name you were given.
Bank statement analysis API
Turn bank statement data into income, balance, obligation and repayment-capacity measures, each traceable to the transactions behind it.
PAN to GSTIN search API
Find the GST registrations linked to a business PAN, where permitted, with the status and state of each.

good to know

Your KYC obligations remain yours. Koshio supplies checks and the evidence behind them; your policies decide what happens next.
Designed to support the customer due diligence the Reserve Bank of India’s KYC directions ask of you, with your policy deciding each outcome.

questions

Can results feed our own decision engine?

Yes. Every API is designed to return the same response shape, with results, quality and evidence references your systems can read.

Tell us what your flow looks like today, and we'll show you how the checks fit into it.