Voice + Video KYC — V-CIP Compliant What is Video KYC? A V-CIP-compliant solution in under 4 minutes.

WhatsApp bot collects details and documents. When face-match is needed, the bot shares a secure video link in chat. Customer taps it and joins a browser-based video call with a verification agent. No app download. Total time: under 4 minutes vs ~20 for traditional VKYC. RBI V-CIP and IRDAI compliant. On-prem deployment for tier-1 banks.

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Built for Indian banks, NBFCs, and insurers: V-CIP and policy onboarding.
<4 min total VKYC time vs ~20 traditional
50% faster than legacy VKYC
RBI V-CIP audit-ready out of the box
On-prem available for tier-1 banks

The 4-Minute KYC Flow

1
0:00

Customer taps "Start KYC" on WhatsApp.

2
0:30

Bot collects PAN, Aadhaar last-4, address.

3
1:30

Customer uploads ID + selfie via WhatsApp.

4
2:00

Bot shares secure video link · customer taps to join.

5
3:30

Live face-match + ID check with agent (browser video).

6
4:00

KYC complete · confirmation back on WhatsApp.

Why EnableX VKYC Closes 70% Faster

WhatsApp-first

No app install

Customer starts on WhatsApp. No app download, no portal login, no email link. Bot does the heavy lift; video agent only when verification needed. Drop-off drops dramatically.

Video

One-tap video from WhatsApp chat

When face-match is needed, the bot drops a secure video link in the WhatsApp chat. Customer taps once, joins a browser-based video call with the verification agent. Result and next step come back on WhatsApp.

Compliance

RBI V-CIP audit-ready

Every step recorded per RBI policy. Geo-tagging, document capture during live session, verification-agent ID logging, all built in. Audit pack auto-generated for regulator review.

What Gets Verified, End to End

ID

PAN + Aadhaar last-4

Captured via WhatsApp OCR. Auto-validated against IT department + UIDAI APIs (where authorised).

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Address

Address proof

Utility bill, rent agreement, voter ID. OCR + manual fallback for low-quality images.

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Income

Income proof

Salary slip, ITR, bank statement. Passes to your underwriting engine for credit decisioning.

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Live

Live face match

Video session: customer's face matched to ID photo by verification agent. Liveness check via random gestures.

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Custom

Custom KYC documents

Whatever your policy requires: corporate KYC docs, FATCA, POSP certifications, partnership deeds.

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Refresh

KYC refresh / re-KYC

Periodic re-KYC cycles handled with the same WhatsApp + video flow. No new account creation needed.

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EnableX VKYC vs Traditional VKYC

CapabilityEnableX V-CIPTraditional VKYC
Customer entry pointWhatsApp · 1 tapEmail link · app download · web form
Average customer journey time~4 minutes~20 minutes
Drop-off rateLow (no app install)High (app + queue + form)
Live agent only when neededYes (bot does most)Always (full session)
Video joins via link, no app installOne-tap, browser-basedEmail link · app download · portal login
RBI V-CIP audit pack auto-generatedYesManual
13 Indian languagesNativeAgent-dependent
On-premise deploymentYesCloud-only typically

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The EnableX Difference

Bot to Video Handoff

The video escalation engine that powers VKYC.

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Vertical

BFSI solutions

Voice AI + chatbot + VKYC for the full banking customer journey.

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Pro Services

Custom VKYC build

Pro Services delivers RBI-compliant V-CIP integrated with your core banking in 8-12 weeks.

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FAQ — Voice + Video KYC

The customer starts on WhatsApp or web. The chatbot collects PAN, Aadhaar last-4, address, and income proof. Documents auto-validated. When face-match or live verification is needed, the bot shares a secure video link in the WhatsApp chat. The customer taps it and joins a browser-based video session with a verification agent. No app download. Once verification completes, the bot confirms KYC status back on WhatsApp. Total time: under 4 minutes vs ~20 minutes for traditional VKYC.

Yes. EnableX video KYC follows RBI Video-based Customer Identification Process (V-CIP) guidelines: live video session with the customer, ID document capture during the live session, geo-tagging, recording retention per RBI policy, and full audit trail. On-premise deployment available for tier-1 banks where customer voice and video data must stay inside the institution's network.

Yes. The same flow handles insurance policy onboarding, POSP onboarding, and KYC refresh cases. IRDAI policyholder consent is captured during the call. Document upload, verification, and policy-issuance run in one continuous WhatsApp + video conversation.

PAN card, Aadhaar (last-4 with consent), passport, driver's license, voter ID, address proof, income proof, and any custom document your KYC policy requires. OCR + auto-validation cuts manual review time. Documents flagged as suspicious auto-route to a human reviewer.

Customer gets a WhatsApp message with a 'Start KYC' link. Click, bot guides them through document capture, bot says 'I'm connecting you with our verification agent', shares a secure video link in the chat, customer taps the link, browser-based video session opens, 60-second verification with the agent, bot confirms KYC complete back on WhatsApp. No app download. No call-centre wait.

Cloud: 6-8 weeks for full RBI-compliant V-CIP. Includes integration with your core banking system, document storage, and verification-agent training. On-premise adds 4-6 weeks for security review and hardware deployment.

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