In India\u2019s digital payment journey, wallets are often the first touchpoint for new users \u2014 especially in semi-urban and rural areas. Yet, millions of accounts remain restricted due to incomplete Know Your Customer (KYC) verification. To close this gap, fintech companies and payment banks have begun pilot programs for doorstep KYC, guided by rbi kyc guidelines<\/a><\/b> that now allow agent-assisted verification under RBI supervision.<\/p>\n These trials are aimed at digitally underserved users who struggle with app-based KYC due to limited internet access, device sharing, or low digital literacy. Instead of requiring users to upload documents or visit branches, agents equipped with secure mobile apps perform live verification at the user\u2019s home.<\/p>\n <\/p>\n Insight:<\/b> NPCI data indicates that nearly 40 % of wallet users in Tier-3 and rural zones operate on \u201cminimum KYC\u201d accounts, limiting their balance and transaction capacity.<\/p>\n <\/i><\/p>\n Doorstep KYC aims to bridge that gap \u2014 turning limited wallets into full-access digital accounts that can support remittances, micro-loans, and insurance products.<\/p>\n The model relies on local fintech agents, similar to micro-ATM or business correspondent setups, connected through the fintech agent network<\/a><\/b>. Each agent carries a registered smartphone or POS device with encrypted access to the fintech\u2019s backend system. Once a user requests KYC completion, the agent visits, scans the Aadhaar or PAN, captures a live photo, and submits verification in real time.<\/p>\n Typical workflow:<\/p>\n The approach uses hybrid connectivity, caching data offline in areas with low network coverage and syncing once back online. It\u2019s fintech\u2019s version of \u201clast-mile banking,\u201d designed to match the operational scale of Aadhaar and UPI enrolments.<\/p>\n <\/p>\nHow Doorstep KYC Trials Work<\/h2>\n
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