Design Paytm's KYC Verification Pipeline for 1M Users/Day
Problem
Design the KYC (Know Your Customer) verification pipeline that onboards and verifies Paytm users at scale.
Requirements
Functional:
- User submits PAN, Aadhaar, selfie
- Automated verification via government APIs (NSDL, UIDAI)
- Manual review queue for failed/ambiguous cases
- Real-time KYC status to user
- Re-KYC for existing users when documents expire
Non-functional:
- 1M KYC submissions/day
- Auto-approval for 80% of cases < 30s
- Manual review SLA: 24h
- Data residency: all PII stays in India
Discussion points
- Async pipeline: submission → queue → verifier workers → callback
- Idempotency for retries against government APIs
- Encrypted PII storage with field-level encryption
- Manual review prioritisation (risk score)
- Audit trail for regulatory compliance
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