Fetched only when Aarav opens a scheme. Tap one on the phone.

Fires when Aarav taps Send Aadhaar OTP. The KYC is bank led — the IFSC banking unit is the entity of record, Bharatomni orchestrates it as KUA, and Arka never becomes the KYC holder. UIDAI sends the OTP; the PAN is checked against the Income Tax database.

The OTP comes back to Bharatomni, not to Arka. What returns is the identity Aadhaar confirmed, the PAN name match, the screening result and a KRA reference — the record every later step relies on.

Checked again at the amount, not just at onboarding: headroom moves, KYC expires, and the scheme minimum applies to this ticket. A fail here stops the journey before any money moves.

Carries the declarations: source of funds, the FEMA declaration and the consent that lets the AD bank file Form A2. Tick the GIFT City account box and open_ibu_account rides along too — the IBU opens it on the KYC already registered, with no second onboarding.

The INR debit happens at the consumer's own bank; Bharatomni only records which account was chosen and hands the leg to the AD bank. No INR ever sits with Bharatomni.

The only call that runs the other way. The consumer authorises the debit on the bank's own page — Bharatomni never sees those credentials — and the bank's confirmation reaches Arka as an event carrying the UTR.

The account the IBU opened, read back by the app. last_credit carries both legs — the UTR from the India debit and the SWIFT or FCSS reference from the overnight transfer — so a consumer, an auditor or a bank can follow one payment end to end.

Fires when Rhea taps Add my documents. No Aadhaar and no PAN — residence, passport and a tax number instead. The response says exactly which documents this residence and this product require.

Each document is uploaded once and read on our side: the passport and Emirates ID chips are parsed, the address document is classified, the selfie is matched against the passport photo. What comes back is extracted fields plus a quality score per document.

Bharatomni's own score out of 100, where higher is safer. Every check is returned with what it earned against its weight and the evidence behind it, so the bank and the partner can both see why — a score without reasons is not something a compliance team can accept.

The documents, the extracted fields and the score go to the IFSC banking unit, which validates and verifies them itself and is the entity of record. Its decision comes back per document, with the account it opened.

The quote id is passed in, so the consumer gets the rate she was shown. The card is a token — Arka never holds a PAN, and neither do we. The response asks for 3-D Secure.

The password goes to the issuer, not to us — we carry the 3-D Secure result. Once it is authenticated the money is pushed to the receiving bank in GIFT City.

Polled, or delivered as the funding.transfer.settled webhook. It carries the Mastercard trace, the amount credited and the FCY account it landed in.

One endpoint for both choices. execution is either IMMEDIATE or a date — a scheduled order books nothing and moves no money until that morning, so the USD stays in the consumer's own account.

Two book transfers inside GIFT IFSC: the consumer's FCY account to Bharatomni's multi-currency account, held as client money, then on to the scheme's collection account. No SWIFT, no FX — the money is already USD and already in the zone.

Allotment cannot be synchronous: the NAV is struck after the cut-off. The FME confirms, and Bharatomni posts the NAV, the units and the folio to Arka.

A conversion inside the wallet — one balance down, another up. No payment leaves the account, so there is no rail, no SWIFT and no remittance: the money never moves, only its currency does.

Re-prices as the amount changes. The exit load applies because these units are under a year old — the rule sits with the scheme, and the quote applies it rather than the app. No TCS here: nothing is being remitted out of India.

payout decides the route. To the FCY account it is one book transfer inside the zone. To India it goes through the multi-currency account, is converted, and leaves as an inward remittance — the outbound journey in reverse.

The scheme pays out at T+1 and the credit lands after that, so this arrives as an event — with the destination account and the balance after.

Fetched only when Aarav opens a deposit. Tap one on the phone.