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    SOLUTION PACK

    Rural Financial Services API Pack

    A lighter financial services bundle for rural-focused platforms — AePS cashout, basic KYC, and instant transfers for last-mile financial access.

    AePS CashoutBank VerificationDigiLocker
    Serves Tier 3 & beyondWorks with 2G connectivityNPCI & RBI compliant
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    Core Use Cases

    What You Can Achieve

    "Bring cash withdrawal, instant money transfer, and basic KYC to rural India — using only Aadhaar and a biometric device, with no smartphone required for the end user."

    APIs In This Pack

    What You Get

    Every API in this pack, what it does, and why it's included.

    AePS Cashout API

    See API docs →

    What it does: Aadhaar-authenticated biometric cash withdrawal at any agent point.

    Why it's in this pack: The primary financial service for rural Indians — withdraw government subsidies (DBT), wages, and loan disbursals without a bank branch.

    Bank Account Verification API

    See API docs →

    What it does: Validate Jan Dhan or any rural bank account via penny drop.

    Why it's in this pack: Confirms PM-JDY account is active before routing DBT or salary transfers.

    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.

    Workflow

    How it works

    1

    Rural customer visits local agent (kirana / CSP)

    2

    Agent identifies service: DBT withdrawal / money transfer

    3

    AePS — Aadhaar + fingerprint → instant cash or transfer

    4

    Customer receives SMS receipt

    5

    Agent earns commission

    Industries

    Built For These Businesses

    Agriculture

    Financial services for farmers & FPOs

    Kirana & Retail

    Turn shops into banking touchpoints for extra income

    Microfinance

    Digitize field collection & disbursal for MFIs

    Agent Networks (CSP/BC)

    Scale BC/CSP operations under Eko's BCNM license

    Frequently Asked Questions

    Works in areas without smartphones?+

    Yes. AePS only requires the customer's Aadhaar number and fingerprint. The agent handles all the technology — the customer needs nothing.

    Which government schemes use Aadhaar-linked accounts?+

    PM-KISAN, MGNREGA, PM Ujjwala, Pradhan Mantri Awas Yojana, and State DBT programs — all route funds to Aadhaar-linked accounts that can be accessed via AePS.

    Related

    Related solutions

    Assisted Banking Agent Pack

    AePS + DMT + BBPS for kirana & CSP networks

    AePS CashoutDomestic Money Transfer (DMT)Bill Payment (BBPS / Bharat Connect)
    Explore pack

    DBT Cashout Pack

    Government DBT withdrawal at agent points via AePS

    AePS CashoutBank Account VerificationDigiLocker Integration
    Explore pack

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    • Comprehensive documentation
    • Reliable, high-volume workflows

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