MSME & Udyam verification
Validate Udyam classification and establishment linkage for credit decisions.
Financial APIsWhen payout risk slows growth,
When payout risk slows growth,
verify financial intent instantly
Use penny drop validation and income analysis workflows to reduce failed transfers, speed up credit decisions, and improve trust in every payout-linked action.
Penny drop, bank-name matching, statement parsing, and income signals for lending, payouts, and regulated fintech onboarding.
Financial proofs where money moves
Bank statements, ITRs, penny drops, and income signals composed for underwriting, settlements, and treasury controls.
Identity & bureau signals
Combine bureau pulls with document checks in one Superflow lane.
Bank statement intelligence
Parse statements for obligation detection and cash-flow signals.
ITR & income proofs
Digitize ITRs and Form 16 for underwriting packets.
Bank account verification
Penny drop and account-holder name match before disbursement.
eSign & mandate capture
Stamp-ready eSign and mandate flows with audit trails.
The Financial Suite
Intelligent Banking APIs
Eliminate manual underwriting. Our APIs bridge the gap between user identity and their financial reality.
IMPS Penny Drop API
Deposit ₹1 into any Indian bank account to instantly verify if the account is active and return the registered beneficiary name.
Bank Statement OCR
Automatically parse unstructured bank statement PDFs to extract transaction histories, salary deposits, and recurring obligations.
Income & Risk Scoring
Generate immediate insights into an applicant’s financial health, calculating average monthly balance (AMB) and spotting loan-bouncing risks.
The Risk
Why unverified accounts cost millions
Without real-time financial verification, businesses face severe risks including bounced transfers, money laundering compliance failures, and bad lending decisions.
Payout Failures & Fraud
Sending payouts to unverified or deactivated bank accounts results in high transaction failure rates and massive financial exposure to fraud.
Manual Statement Analysis
Lending teams waste days manually reading PDF bank statements to calculate average balances and identify risky transaction patterns.
High Loan Drop-offs
Lengthy credit assessment processes frustrate borrowers. If you cannot approve a loan instantly, the customer will find a competitor who can.
Penny Drop Flow
How account validation works
A massive technical undertaking reduced to a single, sub-second API request.
01
Account Input
User provides their Bank Name, Account Number, and IFSC code during onboarding.
02
Penny Transfer
SpyBot initiates an automated background IMPS transfer of ₹1 to the provided account.
03
Status Confirmation
The bank network confirms transaction success, proving the account is open and active.
04
Name Matching
We match the returned Bank Beneficiary Name against the user’s Aadhaar/PAN name using fuzzy logic.
05
Secure Payouts
Proceed with complete confidence to disburse loans, process payroll, or settle B2B vendor payments.
01
Account Input
User provides their Bank Name, Account Number, and IFSC code during onboarding.
02
Penny Transfer
SpyBot initiates an automated background IMPS transfer of ₹1 to the provided account.
03
Status Confirmation
The bank network confirms transaction success, proving the account is open and active.
04
Name Matching
We match the returned Bank Beneficiary Name against the user’s Aadhaar/PAN name using fuzzy logic.
05
Secure Payouts
Proceed with complete confidence to disburse loans, process payroll, or settle B2B vendor payments.
Get Started
Validate your onboarding flow before going live
Request a guided sandbox, map your current KYC or KYB bottlenecks, and see which verification sequence improves approval rates without increasing compliance risk.
Guided sandbox access aligned to your use case
Superflow walkthrough for your approval funnel
Risk and conversion insights for each verification step
Enterprise-ready compliance and data security controls
Walkthrough-style preview of how teams validate KYC, KYB, and orchestration flows before going live.