Mobile 360

Instantly verify users and prefill onboarding forms using their mobile number and consent.

Mobile 360 verifies users and retrieves personal and financial information with their consent using only a mobile number.

Mobile 360 leverages multiple data sources to instantly retrieve personal, financial, and KYC details. Businesses can use this data to pre-fill lengthy onboarding forms, helping reduce user effort, accelerate onboarding, and ensure compliance.

Merchants must present the consent screen, capture the user’s approval, and manage the UI flow on their end. Mobile 360 is designed for businesses needing flexibility and brand consistency.

Why choose Cashfree

The following points outline the key capabilities of Cashfree’s Mobile 360 product.

• Improve conversions by 30%
  Pre-fill forms with verified user data from over 15 alternate sources including PAN, Aadhaar (masked), user address, credit score, and more.

• 100% DPDPA-compliant via user consent management
  Built-in OTP-based consent capture ensures compliance with India’s data protection regulations.

• API-first, merchant-controlled experience
  Integrate Mobile 360 directly into your onboarding flow. No SDKs or hosted pages required.

• Comprehensive data coverage
  Access a 360° view of users, including alternate contact details, employment history, SIM porting, UAN/PF data, and more.

Data coverage

The following fields can be fetched using Mobile 360:

Personal details

• Full name
• Gender
• Date of birth (DOB)
• Age

PAN details

• PAN number
• Registered name
• Name on the PAN
• PAN type

Aadhaar details

• Aadhaar link status
• Masked Aadhaar number

Contact information

• List of email addresses
• List of phone numbers
• List of addresses

Mobile number intelligence

• Number validity status (true or false)
• Subscriber status (connected or not connected)
• Connection type (prepaid or postpaid)
• Current service provider
• Original service provider
• Network region
• Porting status (true or false)

Employment details

• UAN
• Recent employment details
  • Employee details
    • Joining date
    • Exit date
    • EPFO details
  • Employer details
    • Establishment name
    • Establishment ID
    • PF filing details
    • Ownership type

Use cases

The following are the use cases of Mobile 360:

Business type	Use case
Fintech and Lending	Pre-fill loan applications and user KYC forms using verified data
Banking	Simplify onboarding with automated form-filling
Insurance	Auto fill proposal/policy forms to reduce delays
Gaming	Fast user onboarding with age/location compliance

Verifying Mobile 360 OTP flow

To verify a user’s identity using the Mobile 360 flow, follow the steps below. This process ensures secure and consent-based access to user data via OTP validation.

1. Initiate the verification by calling the Send OTP Request API. This API sends a one-time password (OTP) to the user’s mobile number via SMS or WhatsApp, based on the configured notification channels.

2. Once the user enters the received OTP, call the Verify OTP API. This step validates the OTP and retrieves the requested user data fields linked to the mobile number.

After successful OTP verification, you can proceed with consuming the verified data in your application.

FAQs

Is OTP verification required?

Yes. OTP verification is mandatory to record user consent before fetching any personal or financial data.

Can merchants choose the fields to fetch?

Yes. You can specify the data categories you want to retrieve based on your use case.

Is this process DPDPA-compliant?

Yes. Data is accessed only after explicit user consent via OTP, fulfilling DPDPA consent requirements.

What notification modes are available for OTP?

Currently, SMS and WhatsApp are supported notification channels.

Can this be used without Cashfree’s hosted UI?

Yes. The experience is fully API-driven and merchant-controlled.