Screen 9: Review + Face Match + e-Sign
This is the finish line. The customer has passed the blocking gate, and all their data is verified and ready. Now they need to do three final things: review the complete application, take a selfie for face matching against their Aadhaar photo, and sign the application digitally using an Aadhaar OTP (One-Time Password). When this screen is complete, the customer is done. They close the app and wait for their account to be activated — typically within 24-72 hours. Everything that follows (maker-checker review, KRA submission, exchange registration, depository account opening) happens entirely in the background.
Purpose: Final review, biometric verification, and legally binding eSign (electronic signature via Aadhaar OTP). User is done after this screen.
This screen has three distinct steps, presented sequentially. The customer cannot skip any of them. Each step serves a specific regulatory purpose.
3-Step Process
Section titled “3-Step Process”Step 1: Review Application
Section titled “Step 1: Review Application”Scroll-through review of the complete pre-filled application. All data from Screens 1-8 is presented in a read-only summary. User confirms everything is correct.
Step 2: Face Match
Section titled “Step 2: Face Match”Selfie capture compared against the Aadhaar photo from DigiLocker (Government of India’s digital document platform).
| Parameter | Requirement |
|---|---|
| Match threshold | >= 80% similarity |
| Liveness check | Must pass (anti-spoof) |
| Photo quality | Minimum 800px width |
Step 3: Aadhaar OTP e-Sign
Section titled “Step 3: Aadhaar OTP e-Sign”Digital signature on the complete application PDF. This is the legally binding moment — the customer’s Aadhaar-authenticated signature is embedded in the PDF along with a CCA-compliant (Controller of Certifying Authorities) digital certificate.
| Parameter | Detail |
|---|---|
| Auth mode | Aadhaar OTP |
| Hash | SHA-256 |
| Certificate | CCA-compliant DSC |
| Output | Signed PDF with embedded certificate |
USER DONE. Total journey: ~6 minutes.
Now let us look at the vendors that power these three steps. The eSign vendor is particularly important because it produces the legally binding signed PDF that forms the foundation of the customer’s account.
Vendor Comparison: e-Sign
Section titled “Vendor Comparison: e-Sign”e-Sign
| Vendor | Auth Modes | Key Features | Cost/sign |
|---|---|---|---|
| Digio Recommended | Aadhaar OTP, Biometric, Face | CADES-compliant DSC. White-label SDK. KRA + DigiLocker + VIPV in one platform. 2-day integration. | Rs.15-25 |
| Setu New | Aadhaar OTP | Up to 25 signers. eStamp on-the-fly. Name match for Aadhaar eSign. Webhook notifications. | Contact |
| Leegality New | Aadhaar OTP | Zero license fee, pay-per-use. 55M+ eSigns. eStamping support. Less than 2-day integration. | ~Rs.25 |
| eMudhra Alternate | Aadhaar OTP, Biometric, IRIS | Licensed CA by CCA. SAP/Oracle connectors. Volume pricing >10L/year. | Volume-based |
Full spec: Leegality Integration
The face match vendor must provide both high accuracy and liveness detection. This is a security-critical step — a weak face match implementation is an open door for identity fraud.
Vendor Comparison: Face Match and Liveness Detection
Section titled “Vendor Comparison: Face Match and Liveness Detection”Face Match & Liveness Detection
| Vendor | Accuracy | Liveness | Cost/txn |
|---|---|---|---|
| HyperVerge Recommended | 99.8% | ISO 30107 Level 2 — passive liveness, detects prints, screens, videos, 3D masks, deepfakes | Rs.1-2 |
| IDfy Alternate | ~99% | Active + passive | Rs.1-2 |
| Signzy New | ~99% | AI-based. Only Indian platform in Gartner Banking 2024 Market Guide. No-code workflow builder. | Contact |
Full spec: HyperVerge Integration
VIPV (Video In-Person Verification) is normally not needed in this flow because DigiLocker provides the IPV (In-Person Verification) exemption. However, there are two scenarios where it becomes necessary.
Vendor Comparison: Video KYC / VIPV (Fallback)
Section titled “Vendor Comparison: Video KYC / VIPV (Fallback)”Video KYC / VIPV (for nomination opt-out / DigiLocker fallback)
| Vendor | Compliance | Speed | Cost/call |
|---|---|---|---|
| HyperVerge Recommended | SEBI VIPV + RBI V-CIP | Less than 1 min (self-guided). 99.5% accuracy. 7-year recording storage. | Rs.30-50 |
| Digio Alternate | SEBI VIPV + RBI V-CIP + IRDAI | 3-5 min. DigiStudio no-code workflow. Auto-reconnect. | Rs.30-50 |
| Signzy New | SEBI + RBI | 3-5 min. Works at 75 kbps bandwidth (best for Tier 3/4 coverage). 500K+ calls/month. | Contact |
In rare cases where the DigiLocker flow was not used (e.g., DigiLocker downtime), document OCR (Optical Character Recognition) becomes necessary as a fallback for identity verification.
Vendor Comparison: OCR and Document Verification
Section titled “Vendor Comparison: OCR and Document Verification”OCR & Document Verification
| Vendor | Accuracy | Docs Supported | Cost/doc |
|---|---|---|---|
| HyperVerge Recommended | 99.8% | PAN (Permanent Account Number), Aadhaar, Passport, Voter ID, DL, Cheque. Confidence scores per field. Tampering detection. | Rs.1-3 |
| IDfy Alternate | ~99% | Wide range. 3 modes: OCR-only, Verify-only, OCR+Verify. Government database cross-check. | Rs.1-3 |
| Signzy New | ~99% | 14,000+ doc types from 180+ countries. SDK offline mode. SOC 2 + ISO 27001. | Contact |
Full spec: HyperVerge Integration
The customer’s part of the journey is complete. But the system’s work is just beginning. What follows is the maker-checker review and the 8 parallel batch pipelines that register the customer with every exchange and depository.