Fino DMT Flow

Follow these guidelines to design the Fino transaction flow in your app:

1. Check if the customer has already been onboarded on EKO’s platform using the Get Sender Profile API.
2. Sender
   If the customer is not registered, the following steps must be completed to verify their details and register them successfully:
   2.1 Biometric eKYC: To complete the eKYC process using Aadhaar data: Input the Aadhaar along with the biometric data obtained from the biometric device. A unique otp_ref_id and a unique kyc_request_id will be provided in the response.
   2.2 Validate Customer eKYC OTP:
   Input the OTP received on the sender's mobile number and provide the otp_ref_id from the previous step for verification. If the OTP is valid, the EKYC is successful.
   The system will authenticate the customer and complete their registration.
3. Recipients
   Once the customer is registered, you can manage recipients for the service. Follow these steps:
   If no recipient exists for the customer, add one.
   3.1 Add a Recipient:
   Use the Add Recipient API. Provide recipient details such as name, account number, and IFSC code.
   3.2 Get List of Recipients:
   To check whether any recipients are already associated with the customer. Use the Get List of Recipients API.
   If a recipient exists, select the desired recipient. If no recipient exists, proceed to Add a Recipient (Step 3.1).
4. Transaction
   To send money to the selected recipient, use the Send OTP API to generate an OTP and the Initiate Transaction API.
   The final step is to initiate and confirm the transaction using an OTP for added security.
   4.1 Send OTP:
   To trigger an OTP for transaction authentication. Input the transaction amount and the customer’s mobile number (customer_id). The system will send an OTP to the customer’s registered mobile number. A unique otp_ref_id will be generated and returned by the API.
   4.2 Initiate Transaction:
   To authenticate and complete the transaction. Input the otp_ref_id received from the Send OTP step.
   Enter the OTP received on the customer’s mobile. Upon successful OTP verification, the transaction is completed.