Borrower onboarding is the most fraud-prone moment in a P2P platform. The shape that worked: deterministic KYC, parallel bureau pulls with fallback, real-time fraud signals, and a maker-checker approval for every disbursement.
PAN check-digit validation, Aadhaar offline KYC, DigiLocker, PEP/sanctions — all in Go code, not in a prompt. The LLM's job is to translate the verdict into something a human can read.
Two KYC pathways an Indian fintech has to support. The Master Direction (Video KYC, etc.) and Aadhaar Offline KYC. Different speeds, different evidence requirements, different audit shapes.