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FINANCIAL API INFRASTRUCTURE & GATEWAY

Single Unified API Gateway for All Banking Rail Integrations

Eliminate months of brittle point-to-point integrations with legacy core banking systems, bureaus, and government registries. Connect once to TechMave API Hub and access India's entire financial stack through clean, developer-friendly REST APIs.

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99.99% Production Gateway Uptime
< 180ms P99 Core Gateway Latency
45+ Pre-Integrated Financial Endpoints
mTLS Hardware Security Module (HSM) Backed
FINANCIAL RAILS COVERAGE

The Complete India Stack & Banking Suite

Normalized data schemas, automated circuit-breakers, and multi-vendor fallback routing for zero transaction drops.

Identity & Verification

Instant digital KYC verification with automated fuzzy name matching and government registry validation.

  • NSDL / UTIITSL Real-time PAN verification
  • UIDAI Aadhaar OTP & DigiLocker 2.0 XML
  • Passport, Voter ID, Driving License & MCA CIN

Credit Bureau Gateway

Unified payload interface for all 4 credit bureaus with automated failover and consolidated score extraction.

  • TransUnion CIBIL, Experian, Equifax & CRIF
  • Automated fallback routing on bureau downtime
  • Normalized JSON response schemas

Payments & Mandates

Automate automated collections, e-mandates, bank validation, and multi-rail real-time loan disbursements.

  • NPCI e-NACH & UPI AutoPay mandate registration
  • Penny-drop bank account beneficiary verification
  • Instant IMPS / NEFT / RTGS payout routing
DEVELOPER FIRST

Clean, Idempotent REST API Endpoints

Engineered for software engineers. Standardized JSON structures, webhook delivery, comprehensive status codes, and test sandbox environments.

POST /v2/mandate/enach/create Idempotent 
{
  "reference_id": "LOAN-2026-98124",
  "customer": {
    "name": "Arjun Sharma",
    "mobile": "+919876543210",
    "email": "arjun@example.com"
  },
  "mandate_details": {
    "max_amount": 25000.00,
    "frequency": "MONTHLY",
    "first_collection_date": "2026-10-05",
    "final_collection_date": "2029-10-05"
  },
  "bank_account": {
    "account_number": "002301556942",
    "ifsc": "HDFC0000023",
    "account_type": "SAVINGS"
  },
  "auth_mode": "NET_BANKING"
}
HTTP 201 CREATED UMRN Assigned 
{
  "status": "SUCCESS",
  "mandate_id": "MND_782390141",
  "umrn": "HDFC702240500129",
  "state": "ACTIVE",
  "auth_status": "AUTHENTICATED",
  "webhook_delivery": {
    "signature": "hmac-sha256=9b7cf3...",
    "delivered_at": "2026-09-16T10:48:12Z"
  },
  "limits": {
    "max_debit_amount": 25000.00,
    "recurring_validity_days": 1095
  }
}
INFRASTRUCTURE SECURITY

Bank-Grade Zero-Trust Gateway Security

Built to satisfy the stringent compliance, data localization, and cyber audit requirements of Tier-1 banks and NBFCs.

mTLS & Cryptographic Signing

Every API request requires Mutual TLS (mTLS) with custom client certificates and HMAC-SHA256 signature headers to guarantee non-repudiation and prevent man-in-the-middle tampering.

Mutual TLS (mTLS) AES-256 GCM at Rest PCI-DSS Level 1 Dedicated VPC Peering

Dynamic Failover & Circuit Breaking

Government and legacy bank portals frequently experience outages. TechMave automatically routes API traffic to alternative providers and health-probed secondary endpoints to maintain near-zero downtime.

Automated Vendor Failover Smart Rate Limiting Exponential Backoff Webhook Replay Queues
Connected Ecosystem

Explore the Complete LendingOS Platform

Each product functions seamlessly as a standalone microservice or deeply integrates across your end-to-end credit lifecycle.

Origination

Loan Origination Loan Origination System

Instant credit underwriting & paperless onboarding

Explore Loan Origination
Servicing

Loan Management Loan Management System

Multi-rail accounting, repayments & collections

Explore Loan Management
Decisioning

Business Rules Engine Business Rules Engine

Zero-code policy automation & real-time credit scoring

Explore Business Rules Engine
Intelligence

Credit Risk Credit Risk & Intelligence

Multi-bureau fraud signals & portfolio surveillance

Explore Credit Risk
Distribution

DSA Management DSA & Partner Distribution

Channel management, lead tracking & automated payouts

Explore DSA Management
Gateway Current Solution

API Hub Financial API Infrastructure

100+ plug-and-play banking, bureau & payment APIs

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