Migrant Remittance Hub API Pack
Optimized for urban migrant corridors — instant cash-to-bank remittance with AePS withdrawal at the receiving end and full compliance.
What You Can Achieve
"Let a migrant worker send money home from an urban agent and have their family withdraw it at a rural agent — the entire corridor in under 60 seconds."
What You Get
Every API in this pack, what it does, and why it's included.
Domestic Money Transfer (DMT) API
See API docs →What it does: Cash-to-bank account transfers via IMPS under RBI's BC model.
Why it's in this pack: The urban sending leg — migrant gives cash to agent, who sends it to the rural family bank account instantly.
AePS Cashout API
See API docs →What it does: Rural family withdraws at nearest agent using Aadhaar + fingerprint.
Why it's in this pack: Closes the remittance loop — the receiving family doesn't need a smartphone, debit card, or bank branch.
Bank Account Verification API
See API docs →What it does: Validate beneficiary bank account before registration.
Why it's in this pack: Prevents remittance to wrong accounts — one-time verification per beneficiary.
Name Match API
See API docs →What it does: Match the beneficiary name against the destination bank account holder.
Why it's in this pack: Catches name mismatches before transfer — critical when sending to a family member's account for the first time.
PPI Wallet (Prepaid) API
See API docs →What it does: Issue prepaid wallets so frequent remitters can top up once and send repeatedly.
Why it's in this pack: Reduces per-transaction cash handling for regular senders — faster repeat remittances.
DigiLocker Integration API
See API docs →What it does: Pull Aadhaar, driving licence, and ITR documents paperlessly via DIPP integration.
Why it's in this pack: Eliminates document upload friction — borrower consents once and all docs are fetched automatically.
How it works
Migrant worker walks into urban agent shop
Beneficiary registered — bank account verified once
DMT — cash accepted, IMPS transfer fires instantly
Family notified via SMS
Family withdraws at rural agent via AePS
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