Bangalore,Sep 22: Decentro, India’s banking and fintech infrastructure platform, has gone live with CKYC 2.0, placing it among the early fintech infrastructure providers to operationalise the new framework. The integration is designed to help banks, lenders, insurers, wealth platforms and other regulated businesses adopt the new KYC rails without having to build and maintain the underlying integration architecture themselves.
Decentro began building its CKYC 2.0 integration ahead of the framework’s production rollout, allowing customers to prepare for the new environment from the outset. Its infrastructure can support CKYC 1.x and 2.0 workflows side by side, so businesses can use the appropriate workflow for different use cases rather than committing to an immediate, all-at-once migration. That flexibility is particularly relevant as institutions move gradually from legacy batch processes to real-time, programmatic KYC journeys.
For regulated businesses, access to the registry is only one part of the shift. They also need to connect it with existing onboarding systems, manage authentication and consent, handle different search and matching outcomes, and keep customer KYC records updated. Decentro’s integration is built to absorb that implementation layer, so the move to the new registry does not require a parallel engineering programme.
“CKYC 2.0 is an important shift in how India approaches identity infrastructure. The creation of the framework is only the first step; the real impact will come from how quickly businesses can operationalise it across customer journeys. Our focus is to make that transition simpler for financial institutions, so they can adopt the new infrastructure without having to build the entire technology layer themselves,” said Rohit Taneja, Founder & CEO, Decentro.
CKYCRR 2.0 is an upgrade to the Central KYC system designed to make KYC records easier to search, access, create and update. The new architecture supports real-time Create and Update APIs, expanded search options and a structured, auditable OTP-based consent flow for downloading records. It also introduces stronger data validation and matching mechanisms to improve the quality and usability of records held in the central registry.
The scale of what is moving onto the new system is substantial. The Central KYC Registry now holds more than 1.2 billion records, with 103 crore registrations logged in 2025 alone, but the earlier system has faced challenges around data quality and adoption. CKYCRR 2.0 is intended to address some of these limitations by moving away from legacy, file-based processes towards real-time connectivity and better management of the KYC record lifecycle.
The timing matters because digital financial services increasingly depend on fast, embedded onboarding. For merchants and businesses onboarded by regulated platforms, better access to central KYC records can reduce repetitive documentation and operational friction, while the regulated entity retains responsibility for KYC and due diligence. For the broader financial ecosystem, the longer-term opportunity is to make identity information more discoverable, verifiable and easier to update across regulated relationships.
For Decentro, CKYC 2.0 is part of a broader strategy of turning regulatory and ecosystem changes into usable financial infrastructure. As new digital rails evolve, the company aims to give businesses the APIs and operational layer needed to adopt them without rebuilding core infrastructure each time.