India Stack is a set of digital infrastructure components that collectively enable various entities, including governments, businesses, and individuals, to interact and conduct transactions electronically1. It’s a framework that aims to accelerate India’s digital transformation and enhance financial inclusion1. The following APIs are considered to be a core part of the India Stack2:
Aadhaar Authentication
Aadhaar Authentication is an API that allows for the authentication of an individual’s identity using their unique Aadhaar number. This API is used across various platforms and services to verify the identity of users, providing a secure and efficient method of authentication.
Aadhaar e-KYC
The Aadhaar e-KYC API enables businesses to perform a Know Your Customer (KYC) process digitally using the demographic data available in the Aadhaar database. This API has revolutionized the KYC process in India, making it faster, cheaper, and more reliable.
eSign
The eSign API allows Aadhaar holders to digitally sign any document. This API has made the process of signing documents digital, eliminating the need for physical signatures and making transactions more seamless and efficient.
Digital Locker
The Digital Locker API provides a platform for the issuance and verification of documents and certificates in a digital way, eliminating the use of physical documents. Indian citizens who sign up for a DigiLocker account get a dedicated cloud storage space that is linked to their Aadhaar number.
Unified Payment Interface (UPI)
The UPI API has revolutionized the payments landscape in India. It enables the transfer of money between any two bank accounts via a mobile platform, making digital payments seamless and straightforward.
Digital User Consent
The Digital User Consent API, which is still a work in progress, is aimed at providing an open personal data store. This framework will allow users to access modern privacy data-sharing1.
These APIs have been instrumental in driving the digital transformation of India, enabling seamless and efficient transactions across various sectors. For instance, the UPI API has made digital payments accessible to millions of Indians, promoting financial inclusion. Similarly, the Aadhaar Authentication and e-KYC APIs have streamlined the process of user verification, making it easier for businesses to onboard customers
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