KYC verification software for regulated onboarding in India
MeltX KYC Verification is a governance module from MeltX Software Solutions, Pune, India.
- Real time Aadhaar, PAN, driving licence and passport verification through API
- Workflows aligned to PMLA, RBI, UIDAI and SEBI expectations
Case KYC-8841
3 of 4 cleared- PANName and status matched
- AadhaarOTP consent captured
- Bank accountPenny drop verified
- Address proofManual review queued
Consent reference CN-3391 · captured 14 Mar 2026, 11:04 · retained with the case
- Consent capture and purpose limitation recorded with each check
- Audit ready logs retained for every verification attempt
THE PROBLEM
Manual onboarding fails on speed and on evidence at the same time
Documents arrive as photographs on messaging apps. A clerk reads them, types the details, and files a scan. Weeks later a regulator or an internal audit asks what was verified, by whom, against which source and with what consent. Reconstructing that from folders is slow, and the answer is rarely complete.
Verification that is really data entry
A document is read and retyped rather than validated against the issuing source, so a forged or altered document passes through.
Consent recorded loosely or not at all
Identity data is collected without a recorded consent artefact tied to the purpose it was collected for.
Onboarding stalled by manual review
Customers, vendors and staff wait days for a check that takes seconds when it runs against the source.
No defensible audit position
When a regulator asks for the trail, the organisation produces scans and email threads instead of a log.
CAPABILITIES
What KYC Verification actually does
Four capability pillars, each grounded in the mechanism behind it rather than in adjectives.
Real time verification
Identity documents validated against the issuing source, not read off a photograph.
- Verify Aadhaar, PAN, driving licence and passport details through API rather than by visual inspection.
- Return a structured result with the matched fields, the source responded to and the timestamp of the check.
- Handle name and demographic mismatches through a defined exception path instead of a judgement call at the counter.
- Support bulk verification for vendor, dealer and employee populations that need periodic re-verification.
Built in compliance
Workflows shaped by the obligations that apply to regulated entities in India.
- Align customer due diligence steps with PMLA record keeping expectations, including retention of the verification trail.
- Follow RBI and SEBI guidance on periodic review by risk category, with re-verification scheduled rather than remembered.
- Handle Aadhaar data in line with UIDAI expectations on consent, purpose limitation and masked storage.
- Record the consent artefact, purpose and lawful basis with the check, in line with the Digital Personal Data Protection Act 2023.
Secure onboarding
A controlled path from application to approval, with role separation enforced.
- Move applications through capture, verification, review and approval stages, each with a named owner.
- Separate the maker and checker roles so one operator cannot both submit and approve a case.
- Encrypt identity data in transit and at rest, and mask identifiers in every screen and report that does not need them.
- Restrict access by role, so verification staff see only the fields their task requires.
Audit ready logs
Every attempt recorded, successful or not, in a form that can be produced on demand.
- Log each verification attempt with operator, timestamp, source, result and the case it belongs to.
- Retain failed and abandoned checks, since an audit is as interested in rejections as approvals.
- Produce case level and period level reports for internal audit and regulatory inspection.
- Keep logs immutable, so the compliance record cannot be edited after the fact.
The Indian regulatory context
KYC obligations in India come from several directions at once. MeltX KYC Verification is designed so that meeting one does not require breaking another.
Security and compliance positionPMLA record keeping
Verification evidence and customer records are retained in a form that supports the record keeping and reporting obligations placed on reporting entities.
UIDAI expectations on Aadhaar
Consent is captured before use, purpose is recorded with the check, and identifiers are masked in storage and display.
DPDP Act 2023 posture
Personal data is collected against a stated purpose with a recorded consent artefact, and access is limited by role.
Periodic review by risk
Re-verification is scheduled by risk category, so review cycles are driven by the system rather than by recollection.
PLATFORM FIT
Where KYC fits in the platform
Identity verification rarely stands alone. It sits at the front of onboarding processes that continue into asset issue, custody and service.
- IT Asset ManagementVerified identity precedes device issue, so custody records point at a person who was actually checked.
- Property ManagementTenant and lessee verification runs before a lease is executed and recorded.
- Fleet ManagementDriver licence verification supports driver mapping and accountability on every vehicle.
- Government trackBeneficiary and vendor verification in departmental workflows, with the trail retained for audit.
SECTORS
Where KYC Verification is running
The sectors whose deployments include KYC Verification. Each page sets out what the register has to answer for in that sector.
What buyers ask about KYC Verification
The questions buyers actually ask during evaluation, answered without marketing language.
What is KYC verification software?
KYC verification software validates the identity of a customer, vendor or employee against authoritative sources rather than by visual document checks. It captures consent, applies the due diligence workflow the regulator expects, and retains an audit trail of every check so the compliance position can be evidenced later.
Which documents can MeltX KYC Verification check?
The module performs real time verification against Aadhaar, PAN, driving licence and passport sources through API. Each check returns matched fields, the source responded to and a timestamp, and every attempt is logged whether it succeeded or failed.
How is Aadhaar data protected?
Consent is captured before use and the purpose is recorded with the check. Identifiers are masked in storage and in every screen that does not require them, access is limited by role, and data is encrypted in transit and at rest, in line with UIDAI expectations and the DPDP Act 2023.
RELATED MODULES
What KYC Verification is usually deployed with
Property Management
Lease allotments, rent recovery, clearances and encroachment status held against every property.
Explore Property ManagementFleet Management
Vehicles, drivers, trips and running cost governed together, with the audit trail public bodies require.
Explore Fleet Management- ITAM
IT Asset Management
Hardware, software licences and configuration records in one system, reconciled continuously instead of once a year.
Explore ITAM
See it against your own register
Configured around your asset classes before the call. Thirty minutes.
- No obligation
- Run on your register
- Answered within a business day