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What is selfie capture in KYC?
Selfie capture involves taking a real-time photo of a person (a “selfie”) during the KYC process to verify their identity by matching it with the photo on their official ID document.
Why is selfie capture needed?
It helps ensure the person submitting the KYC is physically present and not using stolen or fake documents, reducing fraud and identity theft.
How does the selfie capture API work?
The API integrates with mobile or web platforms to guide users through capturing a selfie, and then verifies the image using facial recognition and liveness detection algorithms.
What is liveness detection?
Liveness detection ensures that the selfie is taken in real-time by checking for signs of life (like blinking or head movement) to prevent spoofing using photos, videos, or masks.
Is the selfie matched with any document?
Yes. The selfie is matched against the photo in an identity document such as Aadhaar, PAN, passport, or any other government-issued ID.
Is selfie capture compliant with regulations?
Yes. Selfie capture is widely used in digital eKYC processes and complies with KYC and AML guidelines issued by regulators like RBI, SEBI, and IRDAI, when implemented with proper safeguards.