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One tap to sign in, and fewer codes sent.

Login teams start with one-tap login: the network check, then the SIM check, then Aadhaar consent, then a one-time code, and the first that verifies ends it. The account stays bound to the customer’s SIM and phone, and the same binding is what a payment checks later.

What you measure

On your own traffic

  1. 01Login success: the share of attempts that end signed in
  2. 02Which route verified each login: the network, the SIM, Aadhaar or a code
  3. 03Codes sent per login, and what they cost against SMS today
  4. 04Time from tapping Continue to signed in
  5. 05Re-binding after a new phone or SIM, and how often it is the owner
  6. 06Time to go live, from sandbox access to the first real login

Agreed in writing before the pilot, against what you see today.

What you start with.

The first question we hear: “Can customers sign in with one tap, with fewer codes sent, without opening a door to SIM swaps?” Most teams start at login, with these modules.

  1. Silent network verification

    Authentication

    The network check, the SIM check, Aadhaar consent, then a one-time code. The bank’s server redeems a single-use token before anyone is signed in.

  2. SIM and device binding

    Authentication

    One SIM and one phone per customer, with dual-SIM phones handled and re-binding after a change.

  3. Device intelligence

    Intelligence

    A device risk gate in front of every route: emulators, hooking and remote access refused before a check runs.

What you add next.

The same SDK reads the next moment, so each one you add is checked against what is already bound.

  1. 1

    New phone or SIM

    A changed SIM is bound again only after the face matched at sign-up holds.

  2. 2

    Payment

    The SIM bound at login is the SIM expected at payment.

  3. 3

    Scam signals

    An active call or a shared screen, read once the SDK is in the app.

Three things to know.

  1. RBI’s 2025 directions keep SMS OTP as a valid factor. One-tap login moves beyond SMS codes where the network or the SIM can confirm the number, and keeps a code as the last fallback.
  2. The bank chooses the steps for each attempt, or requires all of them.
  3. Your server redeems a single-use token with DeepID before it signs anyone in.

Try one-tap login on your own number.

See the network confirm your number with nothing to type, and the next check take over when it can’t. Then plan a shadow proof on one journey, measured on your own traffic.