56,255documents processed monthly
5verification journeys
Zerolive UIDAI dependency
15.8%average risk detection
The business challenge
A live identity lookup constrains where lending can happen across branches, field teams, remote channels and low-connectivity environments. The lender needed flexibility without weakening consent.
The solution
CartKYC uses a customer-controlled, cryptographically signed offline credential across five journeys. Every request carries explicit consent, a time window and a traceable request ID.
How it works
01
Create the requestPresent the lender identity and a unique reference.
02
Customer approvesLet the customer approve within a defined time window.
03
Validate the credentialVerify cryptographically without a live lookup.
04
Preserve the evidenceRetain request ID, consent and result against the loan file.
Selected outcomes
One framework supports QR, app-to-app, web-to-app, XML eKYC and PDF KYC journeys, with evidence that remains available after the file closes.
What the institution gained
- Five journeys through one trust framework
- Cryptographic validation instead of manual checks
- Explicit consent and end-to-end traceability
The complete story is in the PDF
Request the full case study by email for the detailed workflow and transformation narrative.