Decentro

Decentro is a banking-as-a-service platform that provides businesses with seamless integration to Indian banking infrastructure - including payments (UPI, IMPS, NEFT, RTGS), virtual accounts, KYC, ledger primitives, and credit-bureau data. Decentro publishes a developer portal and Postman collection covering six API categories: KYC & Onboarding, Bytes (alternate data), Scanner (forensics), Payments, Virtual Accounts, and Ledger.

4 APIs 0 Capabilities 0 Features

BankingBanking-as-a-ServiceFinTechIndiaKYCLedgerPaymentsUPIVirtual Accounts

APIs

Decentro KYC & Onboarding API

Identity verification, customer onboarding, DigiLocker integration, Aadhaar OTP, document classification, and face match.

Decentro Payments API

Collections, payouts, ENACH mandates, UPI Autopay, settlements, and refunds for the Indian banking system.

Decentro Virtual Accounts API

Create and manage virtual bank accounts, balances, statements, and remitter whitelisting for collections and reconciliation.

Decentro Ledger API

Double-entry accounting primitives for journals, ledger accounts, and transactions tied to Decentro virtual accounts and external counterparties.

Semantic Vocabularies

Decentro Context

4 classes · 8 properties

JSON-LD

API Governance Rules

Decentro API Rules

5 rules · 1 errors 4 warnings

SPECTRAL

Resources

Sources

aid: decentro
name: Decentro
url: >-
  https://raw.githubusercontent.com/api-evangelist/decentro/refs/heads/main/apis.yml
type: Contract
position: Consuming
access: 3rd-Party
image: https://kinlane-productions.s3.amazonaws.com/apis-json/apis-json-logo.jpg
tags:
  - Banking
  - Banking-as-a-Service
  - FinTech
  - India
  - KYC
  - Ledger
  - Payments
  - UPI
  - Virtual Accounts
created: '2025-02-24'
modified: '2026-04-28'
specificationVersion: '0.19'
xType: company
description: >-
  Decentro is a banking-as-a-service platform that provides businesses
  with seamless integration to Indian banking infrastructure - including
  payments (UPI, IMPS, NEFT, RTGS), virtual accounts, KYC, ledger
  primitives, and credit-bureau data. Decentro publishes a developer
  portal and Postman collection covering six API categories: KYC &
  Onboarding, Bytes (alternate data), Scanner (forensics), Payments,
  Virtual Accounts, and Ledger.
apis:
  - aid: decentro:kyc-api
    name: Decentro KYC & Onboarding API
    description: >-
      Identity verification, customer onboarding, DigiLocker integration,
      Aadhaar OTP, document classification, and face match.
    humanURL: https://docs.decentro.tech/
    baseURL: https://in.decentro.tech
    tags:
      - Aadhaar
      - DigiLocker
      - Forensics
      - KYC
      - Onboarding
    properties:
      - type: Documentation
        url: https://docs.decentro.tech/
      - type: OpenAPI
        url: openapi/decentro-kyc-api-openapi.yml
  - aid: decentro:payments-api
    name: Decentro Payments API
    description: >-
      Collections, payouts, ENACH mandates, UPI Autopay, settlements,
      and refunds for the Indian banking system.
    humanURL: https://docs.decentro.tech/
    baseURL: https://in.decentro.tech
    tags:
      - Collections
      - Mandates
      - Payouts
      - Settlements
      - UPI
    properties:
      - type: Documentation
        url: https://docs.decentro.tech/
      - type: OpenAPI
        url: openapi/decentro-payments-api-openapi.yml
      - type: JSONSchema
        url: json-schema/decentro-payout.json
      - type: Rules
        url: rules/decentro-payments-api-rules.yml
      - type: Capabilities
        url: capabilities/decentro-payments-api-capabilities.yml
  - aid: decentro:virtual-accounts-api
    name: Decentro Virtual Accounts API
    description: >-
      Create and manage virtual bank accounts, balances, statements,
      and remitter whitelisting for collections and reconciliation.
    humanURL: https://docs.decentro.tech/
    baseURL: https://in.decentro.tech
    tags:
      - Banking
      - Reconciliation
      - Virtual Accounts
    properties:
      - type: Documentation
        url: https://docs.decentro.tech/
      - type: OpenAPI
        url: openapi/decentro-virtual-accounts-api-openapi.yml
      - type: JSONSchema
        url: json-schema/decentro-virtual-account.json
  - aid: decentro:ledger-api
    name: Decentro Ledger API
    description: >-
      Double-entry accounting primitives for journals, ledger
      accounts, and transactions tied to Decentro virtual accounts
      and external counterparties.
    humanURL: https://docs.decentro.tech/
    baseURL: https://in.decentro.tech
    tags:
      - Accounts
      - Accounting
      - Ledger
      - Transactions
    properties:
      - type: Documentation
        url: https://docs.decentro.tech/
      - type: OpenAPI
        url: openapi/decentro-ledger-api-openapi.yml
common:
  - type: Website
    url: https://decentro.tech/
  - type: Portal
    url: https://docs.decentro.tech/
  - type: Reference
    url: https://docs.decentro.tech/reference
  - type: Blog
    url: https://decentro.tech/blog/
  - type: Pricing
    url: https://decentro.tech/pricing/
  - type: JSON-LD
    url: json-ld/decentro-context.jsonld
  - type: Vocabulary
    url: vocabulary/decentro-vocabulary.yml
maintainers:
  - FN: Kin Lane
    email: [email protected]