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Infrastructure

Three layers. One integration.

Everything needed to offer India-linked financial products to global customers — identity, money movement, and product access — sits underneath your brand, handled by Bharatomni.

What we handle

The work your team would otherwise own.

Identity & compliance

Full onboarding across the India corridor. One customer record, both regulators — so your team never has to build this.

  • KYC and re-KYC for NRI and resident
  • PEP, sanctions & adverse media screening
  • FATCA and CRS collection
  • Aadhaar and video KYC
  • Document collection and storage

Product access

A regulated shelf behind one API. Fixed deposits, mutual funds, bonds — SEBI and RBI-regulated manufacturers, no separate negotiations.

  • GIFT IFSC fixed deposits
  • SEBI-registered mutual funds
  • NRE / NRO fixed deposits
  • Bonds and structured products
  • Domestic pension (NPS)

Integration

How your institution connects.

Step 01

Onboard as a distribution partner

One agreement. We handle the legal and regulatory paperwork on the Bharatomni side. You provide your institution's details and compliance documentation.

Step 02

Integrate the API

A single REST API for all three layers. Sandbox environment available from day one. Typical integration time: two to four weeks for engineering.

Step 03

Choose your product set

Select which products to offer from the shelf — fixed deposits, mutual funds, NPS, bonds. Each comes with its own compliance and settlement path.

Step 04

Go live under your brand

Your customers see your UI. Bharatomni never appears in their journey. You control the experience; we handle everything beneath it.

What you get

Built for institutions, not consumers.

API surface

One endpoint for the entire stack

No separate vendor for KYC, another for payments, another for products. One integration, one contract, one support relationship.

  • RESTful JSON API with webhook events
  • Sandbox + staging + production environments
  • Rate limits scoped to your institution
  • SLA-backed uptime with status page
Compliance posture

Regulated at both ends of the corridor

IFSCA Sandbox Entity for GIFT IFSC products. All domestic products are accessed through SEBI and RBI-regulated manufacturers. You rely on our regulatory posture, not your own buildout.

  • IFSCA Sandbox Entity (Limited Use Authorization)
  • GIFT IFIH incubatee
  • Manufacturer-level regulation for each product
  • Audit logs exportable on demand

Contact

Tell us what you are trying to offer.

We work with banks, wealth managers, remittance operators, and NRE/NRO platforms. If you are serving global Indians and want to add India-linked products, this is the conversation to start.