7.3 Video KYC (V-CIP)

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RBI V-CIP Framework

Video-based Customer Identification Process (V-CIP) is an RBI-approved method for remote KYC in India, where a bank official conducts a live video call with the customer.

How Liveness Integrates with V-CIP

graph TD
    A["Customer connects<br>to video call"] --> B["Automated liveness<br>check runs<br>continuously"]
    B --> C["Bank official<br>verifies identity<br>via video"]
    C --> D["Official captures<br>screenshots as<br>evidence"]
    D --> E["Automated face<br>matching against<br>ID document"]
    E --> F["V-CIP session<br>recorded and<br>archived"]

V-CIP Requirement	Liveness Role
Real-time interaction	Continuous liveness monitoring throughout call
Customer identification	Liveness + face matching against ID
Geo-tagging	Verify customer's claimed location matches device GPS
Video recording	Ensure recorded video is of live person (not replayed)
Official verification	Liveness assists official; doesn't replace human judgment

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