01 · NOVA — Orchestration

One resilient API for every vendor behind your lending stack.

NOVA is a multi-module resilience gateway with unified APIs for financial and verification services - intelligent vendor management, health monitoring, and automatic fallback keep every flow highly available and consistently fast.

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Position in the lifecycle
01AcquireLUMA02DecideGreyCells03ConnectNOVA04EngageVISTA05RecoverAURA
Shared memoryMIND
99.9%
API availability
<500ms
Average response time
100%
Zero downtime with fallback
8+
Integrated modules

The challenge

One flaky vendor breaks the whole journey.

Every lender today depends on dozens of APIs - for KYC, credit scores, fraud checks, and more. But when even one vendor slows down or fails, the whole journey breaks. Customers get stuck, SLAs collapse, and engineers waste days firefighting.

NOVA solves this. It gives you a single, resilient API with built-in monitoring, fallback, and circuit breakers - keeping your lending flows always-on, no matter what happens behind the scenes.

Capabilities

Core capabilities

Unified API Gateway

Single integration point for all financial and verification services across multiple vendors. Simplify your integration complexity with one consistent API interface.

Real-Time Health Monitoring

Continuous monitoring of vendor API health with automatic routing adjustments. Track availability, latency, error rates, and performance metrics in real-time.

Automatic Fallback Protection

Intelligent routing to backup vendors when primary services experience issues. Ensure zero downtime with seamless failover and automatic recovery.

Intelligent Vendor Management

Centralized control over vendor selection, routing rules, and cost optimization. Configure primary, secondary, and tertiary vendors for each service module.

Session Affinity

Consistent vendor usage across multi-step processes. Maintain session continuity for complex workflows requiring multiple API calls.

Circuit Breaker Pattern

Prevent cascading failures with intelligent circuit breakers. Automatically isolate failing vendors and prevent system-wide outages.

Dashboard

Performance monitoring dashboard

Monitor vendor performance metrics in real-time. Track availability, latency, error rates, and total calls across all integrated vendors with comprehensive analytics.

NOVA Performance Dashboard showing vendor metrics

Vendor Performance Metrics

  • Track availability, latency, and error rates per vendor
  • Monitor primary, secondary, and tertiary vendor roles
  • View total calls and client error rates in real-time

Always-On Reliability

  • System active status with automatic health checks
  • Track transactions protected with fallback system
  • Monitor backup provider switches in real-time

Analytics

Service health analytics

Comprehensive analytics on API status distribution and service health. Identify error patterns, monitor success rates, and ensure optimal performance across all modules.

NOVA Service Health Analytics

API Status Distribution

Monitor API success rates over time with detailed hourly breakdowns. Track error patterns and identify peak usage periods for capacity planning.

No Service Interruptions

Zero downtime guarantee with automatic fallback protection. Our system ensures seamless service continuity even when primary vendors experience issues.

Automatic Backup Protection

Intelligent backup system automatically switches to fallback providers when issues are detected, keeping everything running smoothly without manual intervention.

Zero Downtime, Seamless Experience

Users experience zero downtime with seamless failover. All issues are handled automatically with fallback, ensuring no customer impact.

Monitoring active

Last check: just now

Error analysis

Intelligent error analysis

Understand error patterns and their root causes. Distinguish between user-related issues and vendor failures to optimize your integration and improve user experience.

Service Health Distribution

User related issues
93%

Issues caused by user actions such as closing verification windows, incomplete data entry, or abandoning processes before completion.

Vendor related issues
7%

Errors caused by server/vendor problems, which were automatically resolved by our fallback system.

Key Insights

  • Most errors came from user-related issues, not vendor failures.
  • All issues were handled automatically with fallback, no customer impact.
  • Overall, users experienced zero downtime.
Healthy

Service Health (Last 12h)

Platform

Platform features

Built-in resilience patterns and intelligent routing ensure your services stay online and performant.

Reactive Fallback

Automatic vendor switching when primary vendor fails. Intelligent routing ensures requests are seamlessly redirected to healthy alternatives.

  • Automatic vendor health detection
  • Seamless failover with zero downtime
  • Configurable fallback priority chains

Health Monitoring

Continuous monitoring with automatic routing adjustments. Track vendor performance and make data-driven decisions about vendor selection.

  • Real-time availability tracking
  • Latency and error rate monitoring
  • Automated health check intervals

Session Affinity

Consistent vendor usage across multi-step processes. Maintain session continuity for workflows requiring multiple related API calls.

  • Session-based vendor pinning
  • Multi-step process continuity
  • Configurable session duration

Circuit Breaker

Prevents cascading failures by isolating unhealthy vendors. Automatically opens circuit when error thresholds are exceeded.

  • Automatic failure detection
  • Configurable error thresholds
  • Automatic recovery attempts

Modules

Global module ecosystem

A comprehensive suite of financial and verification services spanning identity, banking, documents, and compliance - all accessible through a single unified API gateway with intelligent vendor orchestration.

Identity Verification

eKYC (Electronic Know Your Customer)

Available

DigiLocker integration for identity verification with Aadhaar-based authentication. Multi-vendor fallback ensures 99.9% uptime for critical KYC workflows.

AadhaarDigiLockerMulti-vendor

PAN Verification

Available

Real-time PAN card verification and details retrieval with vendor fallback. Validate PAN status, name matching, and retrieve comprehensive cardholder information.

PAN CardName MatchReal-time

Voter ID Verification

Available

Verify voter ID cards with EPIC number validation. Extract and validate voter information including name, address, and photo verification with multiple vendor support.

Voter IDEPICAddress Proof

Driving License Verification

Available

Validate driving licenses with DL number verification. Extract license details, validity dates, and vehicle class information with intelligent routing.

DL NumberValidity CheckOCR

Banking & Financial Services

Bank Statement Analysis (BSA)

Available

Comprehensive bank statement analysis with financial data extraction. Analyze cash flow, transaction patterns, salary credits, and financial health with AI-powered insights.

Cash FlowAI AnalysisPDF Parser

Bank Account Aggregator

Available

Aggregated bank account data and transaction analysis via Account Aggregator framework. Real-time access to financial data with user consent and multi-bank support.

AA FrameworkMulti-bankReal-time

Penny Drop Verification

Available

Bank account verification via small transfer and name fetch. Validate account ownership, IFSC codes, and account holder names with instant verification.

Account VerifyName MatchIFSC

UPI Verification

Available

Verify UPI IDs and validate account linkage. Check UPI handle validity, fetch account holder names, and ensure seamless payment integration with fallback support.

UPI IDHandle VerifyInstant

Biometric & Visual Verification

Face Match Verification

Available

Compare two face images and return match score with decision. Advanced facial recognition with liveness detection and anti-spoofing measures across multiple vendors.

Face RecognitionMatch ScoreAI-powered

Image Liveness Detection

Available

Verify authentic photographs and detect spoofing attempts. Real-time liveness detection with passive and active checks to prevent fraud with redundant vendor options.

LivenessAnti-spoofReal-time

OCR Document Extraction

Available

Extract text and data from documents using advanced OCR. Support for multiple document types including IDs, bills, and financial statements with high accuracy.

OCRMulti-formatAI Extract

Video KYC (VKYC)

Available

Conduct video-based KYC verification with live agent or AI-powered automation. Record, verify, and store video KYC sessions with compliance and audit trails.

Video KYCLive AgentCompliant

Document & Signature Services

eSign (Electronic Signature)

Available

Digital document signing with Aadhaar-based verification. Legally valid electronic signatures with vendor redundancy for critical document workflows.

Aadhaar eSignLegal ValidMulti-vendor

Digital Signature Certificate (DSC)

Available

Issue and verify digital signature certificates for secure document signing. Support for Class 2 and Class 3 DSC with certificate lifecycle management.

DSCClass 2/3Secure

Document Verification

Available

Verify authenticity of documents including utility bills, rent agreements, and employment letters. AI-powered fraud detection with template matching.

Doc VerifyFraud CheckAI-powered

Stamp Paper Generation

Available

Generate e-stamp papers for legal agreements and contracts. Integration with SHCIL for valid stamp duty payment with instant generation and verification.

e-StampSHCILInstant

Credit & Risk Assessment

Credit Bureau Reports

Available

Fetch credit reports from CIBIL, Experian, Equifax, and CRIF. Comprehensive credit history with multi-bureau support and intelligent vendor routing for high availability.

CIBILExperianMulti-bureau

GST Verification

Available

Verify GST registration and fetch business details. Access GST returns, turnover data, and compliance status with real-time verification and fallback support.

GSTINReturnsBusiness

Alternative Credit Scoring

Available

AI-powered credit scoring using alternative data sources. Assess creditworthiness for thin-file customers using digital footprint, utility payments, and behavioral data.

Alt DataAI ScoreThin File

Fraud Detection Engine

Available

Real-time fraud detection across all verification modules. ML-powered risk scoring with device fingerprinting, velocity checks, and pattern analysis.

ML FraudRisk ScoreReal-time
20+
Active modules
50+
Vendor integrations
99.9%
Module uptime
24/7
Monitoring

Outcomes

Transform your API integration

NOVA delivers measurable improvements across reliability, performance, and operational efficiency.

99.9%
Uptime guarantee

Ensure high availability with automatic fallback and intelligent routing.

80%
Faster integration

Reduce integration time with unified APIs instead of multiple vendor SDKs.

100%
Zero downtime

Seamless experience with automatic vendor switching and circuit breakers.

50%
Cost savings

Optimize costs with intelligent vendor selection and usage-based routing.