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Mobile 360 verifies users and retrieves personal and financial information with their consent using only a mobile number. Mobile 360 leverages multiple data sources to instantly retrieve personal, financial, and KYC details. Businesses can use this data to pre-fill lengthy onboarding forms, helping reduce user effort, accelerate onboarding, and ensure compliance.
Merchants must present the consent screen, capture the user’s approval, and manage the UI flow on their end. Mobile 360 is designed for businesses needing flexibility and brand consistency.

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Why choose Cashfree

The following points outline the key capabilities of Cashfree’s Mobile 360 product.
  • Improve conversions by 30%
    Pre-fill forms with verified user data from over 15 alternate sources including PAN, Aadhaar (masked), user address, credit score, and more.
  • 100% DPDPA-compliant via user consent management
    Built-in OTP-based consent capture ensures compliance with India’s data protection regulations.
  • API-first, merchant-controlled experience
    Integrate Mobile 360 directly into your onboarding flow. No SDKs or hosted pages required.
  • Comprehensive data coverage
    Access a 360° view of users, including alternate contact details, employment history, SIM porting, UAN/PF data, and more.

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Data coverage

The following fields can be fetched using Mobile 360:
  • Full name
  • Gender
  • Date of birth (DOB)
  • Age
  • PAN number
  • Registered name
  • Name on the PAN
  • PAN type
  • Aadhaar link status
  • Masked Aadhaar number
  • List of email addresses
  • List of phone numbers
  • List of addresses
  • Number validity status (true or false)
  • Subscriber status (connected or not connected)
  • Connection type (prepaid or postpaid)
  • Current service provider
  • Original service provider
  • Network region
  • Porting status (true or false)
  • UAN
  • Recent employment details
    • Employee details
      • Joining date
      • Exit date
      • EPFO details
    • Employer details
      • Establishment name
      • Establishment ID
      • PF filing details
      • Ownership type

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Use cases

The following are the use cases of Mobile 360:
Business typeUse case
Fintech and LendingPre-fill loan applications and user KYC forms using verified data
BankingSimplify onboarding with automated form-filling
InsuranceAuto fill proposal/policy forms to reduce delays
GamingFast user onboarding with age/location compliance

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Verifying Mobile 360 OTP flow

To verify a user’s identity using the Mobile 360 flow, follow the steps below. This process ensures secure and consent-based access to user data via OTP validation.
  1. Initiate the verification by calling the Send OTP Request API. This API sends a one-time password (OTP) to the user’s mobile number via SMS or WhatsApp, based on the configured notification channels.
  2. Once the user enters the received OTP, call the Verify OTP API. This step validates the OTP and retrieves the requested user data fields linked to the mobile number.
After successful OTP verification, you can proceed with consuming the verified data in your application.

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FAQs

Yes. OTP verification is mandatory to record user consent before fetching any personal or financial data.
Yes. You can specify the data categories you want to retrieve based on your use case.
Yes. Data is accessed only after explicit user consent via OTP, fulfilling DPDPA consent requirements.
Currently, SMS and WhatsApp are supported notification channels.
Yes. The experience is fully API-driven and merchant-controlled.