Unified_Lending_Interface_Surepass

1. Unified Lending Interface: Revolutionizing Digital Lending with Real-Time Data Access The financial sector in India is undergoing a rapid transformation. As fintech solutions grow, so does the demand for instant credit services. But with fast credit comes a higher risk of fraud, incomplete documentation, and delayed verification. This is where the Unified Lending Interface (ULI) steps in as a game-changer. ULI simplifies and secures the loan journey by giving lenders access to verified borrower data in real-time. What is Unified Lending Interface (ULI)? ULI is an API-based framework that connects lenders to verified government and financial data sources. It allows financial institutions, NBFCs, and digital lenders to pull accurate borrower information—like PAN, Aadhaar, Bank Account, Udyam Registration, and more—directly from the source within seconds. Key Features of ULI I Real-Time Data Fetching: Fetch verified data instantly from government portals (UIDAI, NSDL, GSTN, etc.) I Fraud Prevention: Reduce identity and document fraud with source-based verification. I Paperless Onboarding: No more uploading of physical documents. APIs verify all necessary details. I Faster Loan Processing: Speed up credit decisions with instant KYC, income proof, and business validation. I Customizable Modules: Lenders can select APIs relevant to their business, such as Voter ID, Driving License, Bank Statement Analysis, and more. Why ULI is Essential for Modern Lending - Improves Customer Experience: No lengthy wait times or back-and-forth documentation. - Reduces NPAs: Lenders can evaluate the creditworthiness of borrowers with high confidence. - Enables Financial Inclusion: ULI helps reach underserved borrowers by verifying alternative data points. - Boosts Compliance: API integrations follow government norms, aiding lenders in staying compliant with KYC and AML regulations. How ULI Works (Step-by-Step) • Customer Applies for Loan via app, website, or lending partner. • API Calls Initiated – ULI fetches real-time borrower data from sources like UIDAI, NSDL, GSTN, etc. • Data Delivered to Lender – All KYC and income documents arrive in seconds—validated and ready. • Credit Decision Made – Loan is approved or rejected with a faster, data-driven process. • Loan Disbursal – The approved amount is disbursed immediately to the borrower. Use Cases Across the Lending Ecosystem I Digital Lending Apps – Speed up onboarding and reduce fraud. I Banks and NBFCs – Lower the operational cost of loan processing.

2. II Buy Now, Pay Later (BNPL) – Instant credit line issuance with verified KYC. I Vehicle & Equipment Loans – Fetch RTO data and verify borrower ID quickly. III MSME Loans – Validate Udyam Registration, GST, and bank statements. ULI API Modules Offered by Surepass I Aadhaar eKYC API I PAN Verification I Voter ID API I Bank Account Verification I Udyam Certificate Fetch I GST Details API I Driving License API I MSME Verification I Salary Slip OCR & Bank Statement Analysis Benefits of Using Surepass ULI Benefit Description I Instant Turnaround Complete loan KYC in under 60 seconds I Verified at Source Zero dependency on uploaded or fake documents I Easy Integration Developer-friendly APIs and sandbox support II Compliance Ready Follows RBI and UIDAI compliance standards Conclusion The Unified Lending Interface isn’t just another fintech tool—it’s the foundation of a new credit ecosystem. By leveraging real-time, source-based verification, lenders can issue loans faster, safer, and smarter. Platforms like Surepass make ULI adoption seamless, secure, and scalable for any lending institution. If you're a lender looking to modernize your operations and reduce risk, integrating ULI is no longer optional—it's essential. I Get Started with Surepass ULI Today Visit: www.surepass.io Or email: support@surepass.io