Run CKYC Workflows for CERSAI 2.0
Manage Search-before-Create, consent, download, validation and Upload/Update through one configurable workflow layer built for reporting entity CKYC journeys.
Trusted by Industry Leaders
CKYC 2.0, also called CERSAI 2.0, is the updated operating model for India's Central KYC Records Registry (CKYCRR) under the PMLA. It introduces new APIs for Search, Download, Create and Update, while SFTP-based workflows continue for certain processes. The new model went live on August 1, 2026.
What CKYC 2.0 Means for Your Business
CKYC 2.0 is not just an API migration. It affects customer journeys, internal workflows, compliance controls and technology readiness.
1
Search comes first
Search must be part of the journey before Create/Upload.
2
Consent gets broader
OTP, Face-based and Physical consent flows need to be supported.
3
Data needs validation
Customer details, OVDs, documents and verification signals need review before use.
4
Customer details, OVDs, documents and verification signals need review before use.
Mandatory and conditional fields must be captured and handled correctly.
5
Security needs alignment
OAuth 2.0, mTLS, IP whitelisting, JWE/JWS and X.509 certificates need technical readiness.
One Workflow for CKYCRR 2.0 Readiness
HyperVerge helps Reporting Entities manage CKYC 2.0 through one configurable layer and solution.
Search
Find the customer’s CKYC record using supported identifiers.
Confirm
Handle existing match, no-match and probable-match outcomes.
Consent
Support OTP, Face-based and Physical consent workflows.
Download
Retrieve CKYC data through secure API-led workflows.
Validate
Check customer information, OVDs, document quality and verification signals.
Upload/Update
Capture required fields and manage Upload/Update readiness.
Resolve
Route conflicts, errors and exceptions for review.
Why HyperVerge For CKYC 2.0?
AI-assisted match resolution
AI-led CKYC validation
Document intelligence
Digital KYC continuity
Proven infrastructure
Trusted for regulated identity verification and onboarding at scale. CTA
CKYC 2.0 Integration with HyperVerge
Enterprise-grade security and compliance
Frequently Asked Questions
What is CKYC 2.0?
CKYC 2.0 is CERSAI’s updated operating model for how Reporting Entities search, download, create, update and validate customer KYC records.
Is CKYC 2.0 only an API migration?
No. It affects consent journeys, Search-before-Create, Upload/Update fields, security requirements, validation checks and exception handling.
What is Search-before-Create?
It means CKYCRR Search is performed before creating or uploading a new CKYC record, with searchKey handling where required.
What consent workflows are supported?
CKYC 2.0 supports OTP, Face-based and Physical consent.
What makes Upload/Update readiness important?
Upload/Update requires the right customer data, mandatory fields, validations, response handling and correction.
What security requirements should teams prepare for?
Teams should prepare for JSON APIs, OAuth 2.0, mTLS, IP whitelisting, JWE/JWS and X.509 Class 3 certificate requirements.
What happens if CKYC data is incomplete or unavailable?
HyperVerge can help route customers to DigiLocker, OVD capture, OCR or Video KYC journeys.
How does HyperVerge help?
HyperVerge provides configurable workflows for Search, Consent, Download, Validation, Upload/Update and exception handling.