Frequently asked questions

What is Kyzo?

Kyzo is your friendly digital KYC App. It allows you to scan and upload your ID documents safely and share them with businesses when needed - instantly without any network connectivity.


Where do I start?

You can start by downloading the Kyzo App from the Google Playstore. You will only need your mobile number to register. Once the mobile number is validated through a One Time Pin (OTP), you can start using the App. For iOS users, the wait is a little longer.


How safe is this App as I am storing personal information?

Your ID data never leaves your device, putting to rest mass hacking, leak and privacy issues. And your data is encrypted using bank-grade encryption at all times. Even we, the creators, cannot see your data as the secret key stays in your device. We will be using this ourselves, just as you will, so we totally understand the gravity of keeping your data safe and private. Always.


Is it really free to use?

Yes. It's free for life. And we really mean this. We do not sell your data behind your back and we do not sell you annoying ads to make money. We believe that identity should be a public good and your identity documents should be private and in your control. Ever.


Can you tell me how this is better than paper KYC?

This is easy math. Let's say you need to provide your proof of ID (say Passport), Proof of Address (Say Aadhaar) and passport sized photo to a Bank. This would cost you a minimum of INR 5 (Five) for photocopies and paper photo. Kyzo KYC would cost you INR 0 (Zero).

And did you know that producing 100,000 sheets of paper from new sources requires over 8 trees and almost 2,000kWh of energy (gov.uk)? Therefore, collectively, a billion people in India with 3 papers each for a new service could be saving 240,000 trees a year. Wouldn't it be nice just to see the trees flourish with their tender green leaves?


If it's free, how do you sustain yourself as a business?

You are right. We have the same aspirations as you do and we need to take good care of the hard working minds behind Kyzo. We charge businesses a nominal fee of INR 1 (One) every time you share your KYC with them. There is great value for businesses here. Paper KYC costs them between INR 100-150 (for scanning, proofing and secure storage) and Aadhaar eKYC costs them INR 20 charged by UIDAI. And these costs are usually added to you as one time fees. With Kyzo, you pay nothing and businesses pay just INR 1 bringing the overall costs down. Everybody wins here.


I don't have a smartphone, can I still use this?

No. You will need a smart phone with the following minimum configuration to begin using the Kyzo App. You will need Android Lollipop or above, a front and back camera with auto focus, and at least 2 GB RAM and 15 MB free space in your phone.


What ID documents can I upload into Kyzo?

There are two parts to the scan and upload feature. First - you can scan ID documents such as PAN, Passport, Aadhaar and Voter ID which will use our OCR technology to automatically scan and fill your KYC details. Second - you can upload documents that don't need OCR, such as rental agreement, payslips, bank statements or pretty much any document that you will ever need to verify your identity.


How accurate is the OCR technology?

You can read our accuracy report here. They keep improving as we train our machine learning and computer vision models. Nevertheless, there are times when the OCR fails for multiple reasons - small font sizes, print errors, reflections, variations in ID formats, auto focus failures in phones and so on. In all cases, Kyzo will allow you to edit the details so they match the original. You will be asked to review and accept that your details are accurate.


Are there size limitations to the documents I upload to Kyzo?

Technically no. Every time you scan a document, Kyzo compresses the document to the bare minimum. For instance, when you take a KYC selfie of yourself in Kyzo App, the size is compressed to about 50 KB. The same photo on your phone might vary between 1 MB to 10MB depending on the camera quality. Similarly when you upload an A4 size document, it will compress it to about 100 KB from the usual size of 2 - 10 MB. We ensure that the documents don't occupy space more than what it needs. However, if your phone doesn't have enough space, then you really are out of luck.


How is this different to Aadhaar eKYC?

Following the Supreme Court ruling on 26 September 2018, Aadhaar can only be used voluntarily and businesses cannot insist on Aadhaar for granting services. As a consumer, you now have the choice to use any officially valid ID. Kyzo provides this alternative Digital KYC option. You can upload any document, including Aadhaar, and share it with service providers with ease completely paper-less. Besides, Aadhaar eKYC could have problems such as connectivity issues, fingerprint failures and so on. With Kyzo, the data sharing is offline and it never fails.


Is it safe to share my KYC it with service providers?

Certainly. We will be using this ourselves and we wouldn't dare put anything in Kyzo unless it's safe. We use banking grade encryption to encrypt your data when it's stored in the App. And the data is transferred encrypted to the service provider when you share them. And only authorised Apps can decrypt your data within a certain time. And all of this happens with your consent and using two factor authentication.


How is Kyzo different from me uploading documents from my phone gallery?

There are several differences but covering two important differences. Firstly, documents stored in your phone gallery can be read my many different apps and get backed up on cloud storages creating data theft and privacy issues. Kyzo documents are always stored securely in your phone and shared only with authorised apps. Secondly, the document sizes, shape, background, orientation and aspect ratio varies drastically depending on camera quality, angles and lighting making many of the IDs too big in size or of poor quality not suitable for digital use. Kyzo on the other hand ensures that the documents are captured in the same way across devices and compressed to a small sized document and travels encrypted ensuring complete safety.


Do you support this for international customers?

Currently, Kyzo is only available for consumers in India with an Indian mobile number and Indian ID documents. However, we will soon be launching this across the world for every consumer and business to benefit.


What happens when I lose my phone?

When you lose your phone and get a new phone, you will have to register again and upload your ID documents again to the new device. Remember we never store your data elsewhere, so is a small trade-off when you switch phones.


Do you provide this for both Android and iOS users?

Currently Kyzo is available only for Android users. We will release Kyzo for iOS users shortly.


Do you provide support?

Yes, of course. You can share your thoughts, issues, features you would like to see and anything in between by tapping the Feedback link in the Kyzo App.

What is Kyzo SDK?

It is the software that you will need to integrate into your Business App to accept KYC documents from the Kyzo App.


How do I get started?

Please register yourself on the portal https://kyzo.app. After we review that you are a legit business, we will send you the sign in credentials to your registered email. You can sign in to view the documentation, steps and sample code to integrate the Kyzo SDK into your App.


What KYC documents does the Kyzo consumer App hold?

Kyzo App can hold all officially valid ID documents such as PAN, Passport, Voter ID, Aadhaar, Driving License and other documents such as Payslips, Bank Statements, Rental Agreements, and Birth Certificates and so on. Customers can store any identity document safely within the Kyzo App and share it with businesses when needed.


How does it work?

Here's what happens when a Customer meets you face to face:

  • Customer decides to take your services (say open a Bank Account)
  • Customer says he/she has Kyzo App
  • Your App (which has the Kyzo SDK integrated) generates a QR
  • Customer scans the QR - Selects the documents - Enters PIN - Shares KYC.
  • Your business App will now receive the KYC shared by the Customer in real time (without the need for any network connectivity by you or the customer).
  • You can verify the data against their original IDs just as you would verify photocopies against the original IDs.
  • The process would take less than 10 seconds with 0% failures/rejections.

Apart from this, once you receive the KYC data, you can run additional KYC/AML checks in your server such as verifying the photo from the ID against Selfie, Video liveness verification, ID checks against ID issuing authorities to verify its authenticity and other fraud and AML checks. Please refer to our documentation for identity verification services.


Can I accept Kyzo KYC through my Business App without being face to face?

Yes. You can accept Kyzo KYC documents from within your App if the customer has both your App and the Kyzo App on the same phone. The SDK will provide an option for your customers to share their KYC to your App by clicking a link ‘KYC with KYZO' embedded into your business App. For more information, please refer to our SDK documentation.


Can I accept Kyzo KYC through my web portal instead of asking customers to upload their ID documents?

Yes. You can accept Kyzo KYC documents from your web portal if the customer has the Kyzo App. Once you integrate the Kyzo web SDK (currently in beta), your customers will have the option to share KYC documents via Kyzo. When they click the ‘KYC with KYZO' link in your web portal, it will generate a QR. The customer will have to open the Kyzo App, scan the QR code and share the required documents which will be transferred to your server encrypted. For more information, please refer to our Web SDK documentation.


How is Kyzo different from customers uploading documents from their phone gallery?

There are several differences but covering two important differences. Firstly, documents stored in customer's phone gallery can be read my many different apps and get backed up on cloud storages creating data theft and privacy issues. Kyzo documents are always stored encrypted in customer's phone and shared only with authorised apps. Secondly, the document sizes, shape, background, orientation and aspect ratio varies drastically depending on camera quality, angles and lighting making many of the IDs too big in size or of poor quality not suitable for digital use. Kyzo on the other hand ensures that the documents are captured in the same way across devices and compressed to a small sized document and travels encrypted ensuring complete safety.


Is it complex to add the Kyzo SDK to my business App?

Not at all. It's a straightforward process and can be completed in under an hour. You can add the Kyzo SDK into your App flow as you like. And as always, we'll be just a call away should you need us.


Can I do additional checks such as Face verification and Video verification in the backend?

Yes indeed. Once you have both the Kyzo SDK and our Atlas Server APIs integrated (on cloud or on premises), you can verify the photo in the ID against the selfie and also verify the voice code spoken by the customer as part of Kyzo Video Verification. In addition, you can do ID verification against ID authorities (e.g. PAN against NSDL, Bank Account verification, GSTIN verification and so on). For a full list of Atlas capabilities please refer to our technical specification document.


Does the Kyzo SDK store KYC data?

No. The KYC data stays in your business App when the customer transfers it to you. The data is encrypted at rest and during transfer. Your App can now transfer it to your backend server. Nothing ever gets stored in the Kyzo SDK.


Do you store customer KYC data on the cloud?

No. Sharing Kyzo KYC doesn't require any network connectivity. We have designed Kyzo just the way a customer would share a physical paper copy. Once they are handed over to you, it stays with you.


Do I need internet connection to accept KYC documents from Kyzo App?

No. You don't need internet connection to accept documents from Kyzo App. Neither does the customer need internet connection to share. Everybody benefits here.


What devices do you currently support now?

We support the following devices. We will update this list as often as we can so you can check if the devices you are planning to use has already been tested.


What is your pricing?

We charge a transparent fee of INR 1 (one) per transaction. The value is evident for you to see. A 99% reduction from the traditional paper KYCs (assuming paper KYCs cost INR 100 per customer including cost of paper, sourcing, scanning, proofing and secure storage); A 95% saving compared to Aadhaar eKYC (based on the new pricing of INR 20 by UIDAI). And to top it all, for a limited period only, we are offering free access for all Indian businesses (big or small) until 31 September 2019.


How do I manage my billing?

You can start using the services straightaway and you will only start paying after the free look period of 31 September 2019. You will be billed INR 1 (one) for each KYC transaction. This is deducted from the pre-paid amount that you will need to make on the Kyzo portal.


How Kyzo billing works?

You can track your billing details within the Kyzo portal. You can pay through credit card or opt for NEFT payments through our payment gateways. We do not store any of your credit card or Banking details on the portal to safeguard your privacy. Once the payment is done, you can download the GST receipt from the portal.


Do you offer invoiced billing?

Yes, we offer invoiced billing for large enterprise customers. If you are doing more than 100,000 transactions a month, you can opt for this service. This will usually be done by issuing us a PO to be invoiced on a quarterly basis in arrears. You can contact our sales team for more information.


Do you provide support?

Yes, of course. Stress free support is part of our value proposition. We don't bother with mindless bots and instead provide you with friendly human help, whenever you need it. Just drop us a line to support@frslabs.com or drop by our office in Bangalore if you would like to learn more about how we are planning to help a billion people over the next ten years.