Fintech
Launch fast, onboard faster. Tenacio gives fintechs a single integration for all verification APIs, AI-powered customer intelligence, and DPDP 2023 compliance — without the enterprise overhead.
One platform. Every capability
your team needs.
Sub-3-Minute Account Opening
Liveness check, DigiLocker document pull, PAN linkage, and fraud screening through one API call. Built-in failover means onboarding never stops even during vendor outages.
BNPL & Checkout Verification
Sub-second identity signals for buy-now-pay-later flows where bureau calls are too slow. Real-time device risk and alternate data scoring at checkout speed.
App-Based Credit Decisioning
Score thin-file customers using digital footprint, UPI behaviour, and app-usage patterns. Expand your addressable market without adding NPA risk — models retrain on your portfolio data.
Application Fraud at Scale
Velocity checks, device fingerprinting, synthetic identity detection, and consortium fraud signals stop fraud rings before disbursement — not after.
DPDP-Compliant Onboarding
Collect consent for every data touchpoint during onboarding — purpose-specific, revocable, and SHA-256 signed. Renewal webhooks fire automatically before expiry.
Customer Data Rights Management
Automated DSAR workflows handle customer requests for data access, correction, and deletion within DPDP 2023 timelines — without manual intervention at scale.
Better than bureau-only
lending decisions
| Capability | Bureau Only | Tenacio Sense |
|---|---|---|
| Coverage for thin-file / NTC borrowers | ✗ NTC rejection | ✓ Alternate data scoring |
| Contactability before outreach | ✗ Not available | ✓ Multi-channel reachability score |
| Fraud & authenticity scoring | ~ Watchlist only | ✓ Device + behaviour + network |
| Location & housing strata intelligence | ✗ Not available | ✓ India's best location layer |
| Post-BRE-rejection fraud signals | ✗ Not available | ✓ Multi-signal consistency checks |
| Collections contactability & skip tracing | ✗ Not available | ✓ Late-bucket recovery suite |
| Real-time API decisioning | ~ Batch only | ✓ Sub-second response |
Reduce First EMI Default
by up to 60%
Most first-EMI defaults are visible before disbursal — if you know where to look. Sense combines RBI-mandated compliance checks with behavioural and digital signals to flag high-risk borrowers before the first EMI is due.
MNRL & FRI Compliance
Automated checks against the Mobile Number Revocation List and the Financial Fraud Risk Indicator — the RBI-mandated screens that catch recycled numbers and flagged-fraud profiles before you extend credit.
Phone & Email Vintage
How long a number or email has been active is one of the strongest predictors of genuine intent. Sense scores vintage across both to separate long-standing customers from freshly created identities.
WhatsApp Contactability
Verify that a borrower is genuinely reachable on WhatsApp before disbursal — a leading indicator of post-disbursal contactability and early-bucket collections success.
Digital Footprint
A consistent digital footprint across apps, platforms, and services signals a real, stable borrower — while a thin or inconsistent footprint is an early warning sign for first-EMI risk.
Heard from the people
who run these businesses
"We went live with 11 KYC APIs through a single Tenacio integration in 4 days. The no-code workflow builder meant our product team could update verification flows without engineering each time."
"Contactability scoring from Sense cut our first-communication failures by 41%. We now know which channel to use before we send a single message."
"Getting DPDP-ready was our biggest Q1 anxiety. Shield had us audit-ready in under 5 weeks. Our DPO stopped worrying."