B2B journey

KYC at scale.

A life insurer · 200,000 policy applications a month · IRDAI-licensed onboarding

An insurer wants to run KYC at scale without paying a human reviewer for every easy case — and without an off-the-shelf OCR that bills per page.

Marketing claimpii-redaction-frame-ocr
The story · 4 scenes

Beginning to end.

A life insurer · 200,000 policy applications a month · IRDAI-licensed onboarding
·An insurer wants to run KYC at scale without paying a human reviewer for every easy case — and without an off-the-shelf OCR that bills per page.
  1. Scene 01 · Receive a document bundle
    The insurer POSTs a multipart bundle: PAN card image, Aadhaar XML, address proof scan, ID selfie. The route accepts every Tier 1–5 ingestion format.
  2. Scene 02 · Extract under the UIDAI mask
    Mukodi runs VLM extraction with the 8-digit Aadhaar mask applied at the parquet boundary. PAN and 12-digit identifiers are PII-redacted before any model sees them downstream.
  3. Scene 03 · Flag forged and altered scans
    The forgery detector runs PCA-PSI on the embedding space and a confidence band on the classifier. The four common patterns of forgery — copy-paste, font swap, photo-of-screen, repeated stamps — are flagged with reason codes.
  4. Scene 04 · Return a verifiable bundle
    The insurer's API caller receives a structured bundle: extracted fields, masked artefacts, forgery flags, confidence per field. Every artefact is Courtroom-signed.
Helpers on call
The stack · helpers + models

Who's actually doing the work.

Features used
B2B API + Python / Java / Node SDKs36-format ingest (Tier 1-5)Documents & KYCHash-chained audit trail
Honest limits

What this flow doesn't do.

  • OCR confidence falls on very low-resolution scans (< 200 dpi); the API returns the confidence band so the partner can route low-confidence items to human review.
  • Forgery flags are advisory — the underwriter still makes the underwriting call under their IRDAI-licensed policy.
  • PII redaction is enforced at the parquet boundary; partners receive the masked artefacts and the originals are deleted within the configured retention window.
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