OTP-less Verification

Faster, Secure, and User-Friendly

Redefining digital finance authentication for Bharat with a biometric-first OTP-less product — on-device biometric verification (fingerprint and face) integrated via a secure SDK for fast, compliant, and friction-free user journeys.

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OTP-less Verification
The Future of Authentication

The Future of Authentication is OTP-less

IndiNXT’s OTP-less product is a biometric-first verification solution that leverages on-device biometric authentication (fingerprint and face) through a secure SDK and client-side template matching. Designed for banks, PSPs, and fintechs, it reduces user friction, improves conversion, and delivers compliant, scalable identity verification without SMS OTP dependency.

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On-device Biometric Matching

Fingerprint and face verification performed locally for privacy and speed.

On-device Biometric Matching
Biometric SDK & Integration

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Biometric SDK & Integration

Lightweight SDKs for mobile and web, integration with existing banking technology and apps.

Biometric Template

Biometric Template Security

Secure template storage and HSM-backed enrolment flows; no raw biometric data leaves the device.

Biometric Template Security
Risk Signals

Biometric-based Risk

Biometric-based Risk Signals

Device posture + biometric assurance for improved fraud prevention.

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On-device Biometric Matching

Fingerprint and face verification performed locally for privacy and speed.

On-device Biometric Matching

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Biometric SDK & Integration

Lightweight SDKs for mobile and web, integration with existing banking technology and apps.

Biometric SDK & Integration

Secure template storage

Biometric Template Security

Secure template storage and HSM-backed enrolment flows; no raw biometric data leaves the device.

Biometric Template Security

Device posture

Biometric-based Risk Signals

Device posture + biometric assurance for improved fraud prevention.

Biometric-based Risk Signals
01
The user initiates a secure login or
transaction.
02
The client prompts the user for biometric verification (fingerprint/face) via the IndiNXT SDK.
03
On-device biometric template matching returns an approval or rejection instantly.
04
The server receives a signed, minimal verification assertion for audit and reconciliation.

Simplified Secure Authentication Flow

IndiNXT’s OTP-less verification connects seamlessly with mobile and web applications through a device-bound API layer, ensuring every login or transaction is verified instantly and securely.

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Designed for Fintechs, Banks, and PSPs

With IndiNXT’s biometric-first OTP-less solution, institutions achieve faster verification, lower operational costs, and stronger user trust — while meeting compliance and privacy expectations.

Reduce Verification

Reduce Verification
Time by 80%

Cut OTP Delivery

Cut OTP Delivery Costs
by 60%

Improve Conversion

Improve Conversion Rates and UX

Lower fraud risk

Lower fraud risk through biometric assurance and anomaly detection

Security Built from the Ground Up

Every IndiNXT authentication API is designed with enterprise-grade encryption and real-time monitoring to ensure that each transaction is authenticated, encrypted, and compliant.

The platform uses on-device biometric template protection, secure enrolment, and HSM-backed signature verification to prevent replay and spoofing, ensuring end-to-end protection for users and institutions.

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AES-256 Encryption and Token Isolation

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Continuous authentication analytics

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Secure Token Lifecycle Management

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Built with PCI DSS and security standards in mind

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Biometric template protection and secure enrolment processes for privacy-first verification.

Security Built from the Ground Up

Powering Passwordless Experiences Across Bharat

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Banks deploying biometric-first login and transaction verification to reduce authentication friction.

Fintechs improving onboarding

Fintechs improving onboarding completion and KYC flows using on-device biometric verification.

PSPs enabling high-frequency

PSPs enabling high-frequency, low-friction UPI authorisations with biometric assurance.

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Frequently Asked Questions

IndiNXT’s biometric-first OTP-less verification replaces SMS OTPs with on-device biometric verification (fingerprint and face) via a secure SDK. It enables instant, frictionless identity verification across banks, PSPs, and fintechs, improving conversions and strengthening fraud prevention without relying on SMS delivery.

The biometric flow uses the IndiNXT SDK to capture and match biometric templates on-device. Upon successful local match, the client sends a signed verification assertion to the IndiNXT gateway for audit and session binding. This keeps biometric raw data on the device while enabling fast, verifiable authentication across systems.

By switching to OTP-less APIs, banks and fintechs can reduce authentication time by up to 80%, eliminate OTP delivery costs, and improve conversion rates through seamless user experiences. Additionally, the system enhances compliance and lowers fraud risk through biometric and anomaly detection mechanisms built into IndiNXT’s secure authentication infrastructure.

Every transaction is protected with AES-256 encryption, secure biometric. The platform aligns with PCI DSS, ISO, and RBI data protection standards, ensuring secure fintech infrastructure and regulatory compliance across all authentication operations. Continuous analytics monitor activity to prevent misuse, ensuring full transparency and control.

IndiNXT combines enterprise-grade security, API-first architecture, and real-time performance to deliver a passwordless authentication experience tailored for Bharat’s digital finance infrastructure. Trusted by leading banks, PSPs, and fintechs, IndiNXT’s OTP-less solution simplifies user journeys while maintaining the highest standards of security, scalability, and compliance.
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Eliminate Friction with IndiNXT OTP-less Authentication

Secure. Scalable. Seamless.

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