Independent concept prototype for Build What Moves India · Not a Government of India service · All data is demo data.

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A regulated bank that does KYC once, at the level the regulator sets Proposed regulated relying party

Bharat Trust Bank · a fictional regulated bank Proposed

KYC done. Here is everything the bank received.

A regulated service may ask for KYC claims, at the level its regulator sets — प्रत्यक्षPratyaksh. If you signed in at a lower level, the hub stepped you up first.

Name
Address, as dated
PAN
Phone
KYC

What the bank did not receive

  • Your PAN number — only that it matched
  • Your Aadhaar number — it never reaches any service through the rail
  • The documents themselves

Today every bank runs its own video KYC. With the rail, one KYC at the right level serves every regulated service, and you see each one on Who has access.