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 Cashout Aadhaar Verification Bank Verification Fund Transfer

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.

Aadhaar Verification API

See API docs →

What it does:Basic identity verification for new account and wallet onboarding.

Why it's in this pack:Aadhaar-based eKYC is the cheapest and fastest onboarding path for rural customers with no other documents.

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.

Fund Transfer API

See API docs →

What it does:Route DBT, wages, or loan disbursals directly to verified accounts.

Why it's in this pack:Closes the last mile — money is deposited into the account that the customer can then withdraw via AePS.

Workflow

How it works

Rural customer visits local agent (kirana / CSP)

Agent identifies service: DBT withdrawal / money transfer

AePS — Aadhaar + fingerprint → instant cash or transfer

Customer receives SMS receipt

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.