Next-Generation TOTP Authentication

for Banks and Fintechs

Strengthen your digital finance infrastructure with time-based, one-time authentication built for scale, security, and compliance. Powered by IndiNXT’s advanced TOTP provider network, ensuring every transaction is verified and trusted.

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Next-Generation TOTP Authentication
Bharat's Financial Ecosystem

Time-Based, Trust-Driven Authentication

IndiNXT’s TOTP authentication platform generates dynamic, time-bound verification codes for banks, fintechs, and payment service providers (PSPs) across Bharat. Each code is securely tied to device identity and session metadata, ensuring protection against phishing, replay attacks, and credential fraud.

The TOTP infrastructure integrates directly with existing core banking systems, mobile apps, and UPI APIs, helping institutions strengthen authentication without disrupting user experience.

Real-Time TOTP Generation

Time-based OTPs are generated within milliseconds for reliable and secure verification.

AES-Encrypted Token Exchange

Every token exchange is fully encrypted, ensuring end-to-end data confidentiality.

Multi-Channel Delivery

APIs, SDKs, and app-level integrations for easy deployment across channels.

Core Banking & Payment Integration

Works seamlessly with core financial systems and UPI infrastructure.

Token Expiry & Replay Protection

Prevents reuse or delay attacks through time-locked token validation.

Real-Time TOTP Generation

Time-based OTPs are generated within milliseconds for reliable and secure verification.

AES-Encrypted Token Exchange

Every token exchange is fully encrypted, ensuring end-to-end data confidentiality.

Multi-Channel Delivery

APIs, SDKs, and app-level integrations for easy deployment across channels.

Core Banking & Payment Integration

Works seamlessly with core financial systems and UPI infrastructure.

Token Expiry & Replay Protection

Prevents reuse or delay attacks through time-locked token validation.

01
The user initiates a secure event, such as login or transaction.
02
IndiNXT generates a time-based OTP within the authentication window.
03
The app or SDK verifies the token using IndiNXT’s validation API.
04
The transaction or action completes securely within milliseconds.

How IndiNXT TOTP Works

IndiNXT’s modular TOTP authentication engine connects directly to your systems, creating a secure, time-linked validation layer for any customer or internal workflow.

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Enterprise-Grade Reliability

Optimised for scale and uptime, IndiNXT’s authentication infrastructure ensures resilience
under high-volume fintech workloads.

99.99%

Uptime backed by active-active redundancy

<50 MS

Token Generation Speed across distributed servers

24x7

Real-time monitoring and Failover Protection

Multi-Region

Availability for Bharat-wide coverage

Secure by Design

IndiNXT’s TOTP architecture enforces security across every layer — from key management to data storage — built under PCI DSS compliance India and ISO frameworks.

The framework ensures AES-256 encryption, identity binding, HSM-secured keys, and continuous threat monitoring to prevent compromise at any point in the authentication cycle.

Indiconnect Collect Account Developer Feature 1 - REST APIs

AES-256 Encryption and secure key storage under HSM

Indiconnect Collect Account Developer Feature 1 - REST APIs

Time-based token isolation to prevent duplication

Indiconnect Collect Account Developer Feature 1 - REST APIs

Continuous vulnerability monitoring with alerting protocols

Indiconnect Collect Account Developer Feature 1 - REST APIs

Regulatory alignment with RBI, ISO, and data protection standards

Powering Authentication Across Bharat’s Fintech Ecosystem

Banks strengthening transaction authentication with TOTP.

Fintechs enable user trust through time-based token authentication in mobile journeys.

PSPs protecting UPI transactions and high-value authorisations with IndiNXT’s real-time validation APIs.

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Frequently Asked Questions

IndiNXT’s TOTP Authentication is a Time-based One-Time Password (TOTP) system that generates dynamic verification codes tied to each transaction or session. It strengthens fintech security by replacing static passwords with time-sensitive authentication, preventing phishing, replay attacks, and credential misuse across banks, PSPs, and digital finance platforms in Bharat.

The TOTP engine is built on a distributed architecture that supports <50ms token generation speed and 99.99% uptime, even during peak transaction loads. With multi-region failover, real-time monitoring, and API health tracking, IndiNXT guarantees enterprise-grade reliability for every authentication request processed across Bharat’s digital ecosystem.

Yes. IndiNXT’s API-first TOTP infrastructure integrates seamlessly with core banking systems, banking technology, fintech applications, and UPI interfaces through SDKs and REST APIs. This ensures a smooth deployment without disrupting existing systems, enabling institutions to enhance authentication securely while maintaining a superior user experience.

The IndiNXT TOTP platform is designed under PCI DSS compliance India, ISO, and RBI-aligned data protection frameworks. It enforces AES-256 encryption, HSM-based key storage, and time-based token isolation to ensure secure key exchanges and prevent duplication or unauthorised access. The platform also includes continuous threat monitoring and regulatory audit readiness.

IndiNXT stands out as a trusted TOTP provider in Bharat for its secure fintech infrastructure, fast authentication APIs, and regulatory-aligned architecture. It empowers institutions to deliver frictionless, time-based verification for logins, transactions, and payments, while maintaining compliance and scalability across diverse digital finance applications.

Secure Every Transaction with IndiNXT TOTP

Secure. Scalable. Seamless.

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