Where Credit Scores Are Built, Not Data Hoards.
Lending apps, UPI platforms, and Account Aggregators often pull far more than a credit decision needs — SMS logs, contacts, device data. Digital Anumati scopes every consent handle to its stated purpose and kills access the instant a loan closes or a user withdraws.
Lending App
Requests SMS, contacts, and device data to build a credit score beyond the loan application.
DPDP Act 2023
Mandates purpose-limited, minimal data collection with explicit consent for each specific use.
Digital Anumati Resolution
Scope Creep Blocked
Every credit-scoring data request logged and purpose-checked before release
One API Layer, Every Consent Accounted For
Fintech apps sit at the intersection of Account Aggregators, open banking APIs, and lending partners — each pulling financial data through a different pipe. A unified consent layer tracks every scope, expiry, and revocation across the entire data-sharing chain in real time.
The Fintech Compliance Challenge
Fintech platforms process highly sensitive financial data including transactions, identity, credit behavior, and banking details. Under DPDP, every data usage must be consent-backed, auditable, and purpose-limited.
One Consent, One Chain, Instant Revocation
Follow an Account Aggregator consent end to end — from the lending app to the bank and back — with every hop scoped, logged, and killed the instant the user says stop.
- 01
User Grants Consent
Inside the fintech app, the user approves a DPDP-native consent artefact — scope, purpose, and validity window fixed upfront.
- 02
AA Routes the Request
The Account Aggregator forwards a signed consent handle to the user's bank, requesting only the data fields in scope.
- 03
Bank (FIP) Verifies & Shares
The Financial Information Provider validates the handle and releases scoped account data — nothing beyond what was consented.
- 04
Fintech App Consumes via API
The lending app, as Financial Information User, ingests the data through the open banking API. Every call is logged to the audit ledger.
- 05
Revoke & Cut the Chain
User withdraws consent → access is killed across the AA, the bank, and the fintech app simultaneously, not on a rolling basis.
CONSENT
HANDLE
Compliance Solutions for Fintech Startups
Secure financial data workflows while maintaining full DPDP compliance and audit readiness.
Consent-Driven Financial Data Access
Ensure every access to financial data is backed by explicit, traceable user consent with purpose limitation controls.
Fraud-Safe Consent Layer
Prevent unauthorized data sharing between APIs, banking partners, and third-party fintech integrations.
Audit-Ready Transaction Logs
Maintain immutable logs of consent, data usage, and financial data access for regulatory audits and investigations.
Deep-Dive Use Case: Loan Data Sharing Risk
Fintech platforms often share user financial profiles across lending partners without granular consent tracking.
The Scenario
A user applies for a loan on a fintech app and their credit data is shared with multiple NBFC partners.
The user was never explicitly informed which partners receive their data.
This creates a DPDP compliance violation due to lack of transparent consent.
The Digital Anumati Solution
Our Consent Router ensures controlled financial data sharing.
- User-specific consent for each lending partner
- Real-time consent validation before data sharing
- Blocks unauthorized API-level data access
- Full audit trail for every financial data exchange
Build Secure, Compliant Fintech Products
Protect financial data, ensure transparent consent, and scale your fintech platform with confidence.