Onboard a customer while they're still holding their ID up to the camera.
Creditvara replaces paper-based credit card and account onboarding with a single straight-through flow — real-time KYC, biometric matching, and underwriting, connected through one API layer.
Manual onboarding is where good applicants disappear.
Physical document checks and manual data entry stretch approval from minutes into days, and every extra step is a chance for an applicant to abandon the process.
KYC, credit bureau checks, and core banking often sit in separate tools with no shared record, so underwriters re-key the same applicant data more than once.
Meeting BOT and PDPA obligations manually means audit trails are assembled after the fact instead of captured as part of the flow itself.
One platform across onboarding, verification, and underwriting.
Digital Onboarding Flow
A straight-through-processing (STP) application flow that takes a credit card or account applicant from first form field to decision without a manual handoff.
Configurable per product and per issuing partner, with every field, document, and consent captured as a structured, auditable record.
Real-Time KYC & Biometric Verification
Document authentication and facial biometric matching run against the applicant's ID at the point of application, not in a back-office queue.
Built to work with national ID formats and biometric standards used across Thailand and the wider ASEAN market.
Underwriting Automation
Enriched data sources — salary verification, employer checks, fraud and credit scores — feed a single underwriting decision engine.
Rules and thresholds are set by your risk team; Creditvara handles the orchestration and the data plumbing underneath.
API Orchestration
A single integration layer connects bureaus, biometric vendors, and core banking systems, so each new data source doesn't mean a new point-to-point integration.
Institutions keep their existing vendors and core systems — Creditvara sits in between as the connective layer.
Five steps, one continuous session.
Apply
Applicant completes a digital form and uploads or scans their ID document.
Confirm identity
Document authenticity check and live facial biometric match run in real time.
Gather data
Employer, income, and bureau data are pulled in automatically to build the applicant profile.
Underwrite
Your risk rules run against the enriched profile to produce an automated decision.
Fulfil
Approved applications flow straight into card issuance or account opening with no re-entry.
Built to sit inside a regulated institution, not beside it.
Local regulatory alignment
Designed around Bank of Thailand onboarding and KYC expectations, and Thailand's PDPA data-protection requirements.
Full audit trail
Every verification step, consent, and decision is logged as part of the applicant record — not reconstructed afterward.
Encrypted by default
Applicant data and documents are encrypted in transit and at rest, with access controlled per institution.
Your rules, enforced
Your compliance and risk teams configure thresholds and approval logic — Creditvara enforces them consistently.
Rajvi Solutions builds the onboarding infrastructure behind Creditvara.
We work with banks and financial institutions moving from branch- and paper-based onboarding to a digital-first process, focused on Thailand's shift toward digital banking and the wider ASEAN market.
Rather than replacing your core banking or KYC vendors, Creditvara sits between them — the layer that turns separate checks into one straight-through decision.
Talk to us about your onboarding flow.
Tell us which product — credit cards, accounts, lending — and we'll walk through how Creditvara fits your existing KYC and core banking setup.