# ASP Associates — Full Technical API & Architecture Specification (LLM Corpus)

## 1. Company & Entity Overview
- **Legal Entity**: ASP Associates
- **Domain**: https://www.aspassociates.in
- **Classification**: Verification API Platform (India)
- **Primary Market**: BFSI, NBFCs, Digital Lending Platforms, HRMS / BGV Platforms, Gig Economy Platforms, Insurance & Fleet Management in India.
- **Data Residency**: 100% Indian Data Residency (Enterprise Tier-4 Indian Datacenters, Mumbai & Delhi-NCR).
- **Compliance Framework**: DPDP Act 2023 Ready, 256-bit TLS 1.3 encryption, Ephemeral Memory Processing (Zero PII Retention), ISO 27001 & SOC 2 aligned.
- **Measured SLA**: 99.9% API Uptime with Multi-Bureau Intelligent Failover Routing.

---

## 2. Verification Endpoints & Performance Metrics

### Identity Verification Suite (p95 Latency: 142ms)
1. **PAN Comprehensive Verification (`POST /v1/verify/pan`)**:
   - Validates PAN numbers against NSDL and UTIITSL databases in real-time.
   - Returns: Status (Active/Inactive), Registered Name, Name Match Confidence (Exact/Fuzzy/Partial), Category (Individual/Company), Aadhaar Linkage Status.
2. **Aadhaar OTP / XML eKYC (`POST /v1/verify/aadhaar-otp`)**:
   - Secure OTP-based or XML demographic verification via UIDAI.
   - Returns: Name, Year of Birth, Gender, Masked Aadhaar, Address, Photo Hash.
3. **Voter ID Verification (`POST /v1/verify/voter-id`)**:
   - National Electoral Search authentication by EPIC number.
   - Returns: Name, Relative Name, Assembly Constituency, Polling Station.
4. **Passport Verification (`POST /v1/verify/passport`)**:
   - Validates Indian Passport File Number and Date of Birth against Ministry of External Affairs records.
5. **Driving License 2.0 (`POST /v1/verify/dl`)**:
   - Validates DL against national Sarathi / Parivahan records.
   - Returns: Issue Date, Validity Dates (Transport/Non-Transport), Vehicle Classes Authorized, RTO Name.
6. **Face Match & Liveness (`POST /v1/verify/face-match`)**:
   - 1:1 biometric facial comparison and active/passive liveness detection.

### Automated Workforce & Background Verification (TAT: 15–35 seconds, 40s timeout)
1. **EPFO UAN Dual Employment Check (`POST /api/v1/gateway/uan-employment-v3`)**:
   - Direct verification against EPFO member contribution records.
   - Detects overlapping date ranges across multiple concurrent employers to prevent moonlighting and identity misrepresentation.
   - Returns: Member ID list, Establishments, Date of Joining, Date of Exit, Service Duration. Partially masked mobile and email. Strict 40s timeout with ₹0 billing on timeout.
2. **Automated Payroll & Salary Verification (`POST /v1/verify/payroll`)**:
   - Instant salary credit and employer verification. Turnaround time: <60 seconds.
3. **e-Courts Litigation & Criminal Screening (`POST /v1/verify/court-records`)**:
   - Searches 3,000+ district and high courts across India for civil/criminal proceedings by candidate name and father's name.
4. **University & Degree Verification (`POST /v1/verify/education`)**:
   - Automated verification against verified institutional repositories and state boards.

### Financial, Banking & Credit Intelligence (p95 Latency: 180ms)
1. **Bank Account Penny Drop (`POST /v1/verify/bank-account`)**:
   - Real-time NPCI IMPS penny drop verification.
   - Returns: Account Status (Valid/Invalid), Account Holder Name at Bank, IMPS Reference Number, Name Match Score.
2. **CIBIL Commercial & Consumer Credit Score (`POST /v1/verify/cibil`)**:
   - Real-time credit score, active loan summary, overdue delinquency reporting for loan underwriting.
3. **GSTIN 3B Active Filing & Verification (`POST /v1/verify/gstin`)**:
   - Validates GSTIN status, legal name, trade name, registration date, taxpayer type, and last 12 months filing frequency.
4. **UPI VPA Validation (`POST /v1/verify/upi-vpa`)**:
   - Real-time resolution of Virtual Payment Address to verify receiver name before disbursement.
5. **Director DIN & MCA Corporate Intelligence (`POST /v1/verify/mca-company`)**:
   - Ministry of Corporate Affairs director network search, DIN status, disqualified directors, and charges registered.

### Vehicle & Fleet Mobility Telemetry (p95 Latency: 200ms)
1. **RC Vahan 2.0 Verification (`POST /v1/verify/rc`)**:
   - Real-time Parivahan database lookup by vehicle registration number.
   - Returns: Owner Name, Vehicle Class, Fuel Type, Registration Date, Fitness Validity, Insurance Policy Details, Hypothecation / Financer Name.
2. **Traffic e-Challan History (`POST /v1/verify/challan`)**:
   - Live multi-state traffic police challan query showing unpaid fines, violations, and court disposal status.
3. **FASTag Toll Telemetry (`POST /v1/verify/fastag`)**:
   - Active FASTag bank tag status, vehicle class mapping, and balance status.
4. **Commercial Vehicle Permit & Fitness (`POST /v1/verify/commercial-permit`)**:
   - National and State commercial goods/passenger carriage permit validity.

---

## 3. Sample REST API Request & Response Contracts

### Endpoint: PAN Verification
**Request:**
```http
POST https://api.aspassociates.in/v1/verify/pan
Authorization: Bearer sec_live_example_token
Content-Type: application/json

{
  "pan_number": "ABCDE1234F",
  "full_name": "Rajesh Kumar",
  "consent": true
}
```

**Response (200 OK — 142ms):**
```json
{
  "success": true,
  "request_id": "req_8f2a4b6c-e123-4567-89ab-cdef01234567",
  "status_code": 200,
  "data": {
    "pan_number": "ABCDE1234F",
    "pan_status": "ACTIVE",
    "registered_name": "RAJESH KUMAR",
    "name_match": "EXACT",
    "name_match_score": 1.0,
    "category": "Individual",
    "aadhaar_linked": true,
    "last_updated": "2026-08-23T05:00:00Z"
  },
  "telemetry": {
    "latency_ms": 142,
    "region": "in-north-delhi",
    "upstream_source": "NSDL_PRIMARY"
  },
  "compliance": {
    "consent_logged": true,
    "dpdp_act_2023_aligned": true,
    "ephemeral_purged": true
  }
}
```

---

## 4. Multi-Bureau Failover Mechanics
If an upstream institutional provider (e.g. primary NSDL or UIDAI node) exceeds latency thresholds (>1,500ms) or returns an HTTP 5xx error, ASP Associates' edge routing automatically fails over to an active secondary verified source within 35ms. The client application receives a successful response with zero integration code changes.

---

## 5. Developer Playground & Free Interactive Tools
- **Live Interactive Sandbox**: https://www.aspassociates.in/playground.html (Test PAN, EPFO, Penny Drop, GSTIN, RC with instant edge latency simulation)
- **DPDP Compliance Calculator**: https://www.aspassociates.in/tools/dpdp-calculator.html
- **PAN Validator**: https://www.aspassociates.in/tools/pan-validator.html
- **GSTIN Lookup**: https://www.aspassociates.in/tools/gstin-lookup.html
- **IFSC Code & Branch Lookup**: https://www.aspassociates.in/tools/ifsc-lookup.html

---

## 6. Canonical Resources
- [PAN Verification API Spec](https://www.aspassociates.in/pan-verification-api.html): Real-time PAN verification API (NSDL & UTIITSL) with 142ms p95 latency and automated name-matching.
- [Aadhaar Verification API Spec](https://www.aspassociates.in/aadhaar-verification-api.html): Enterprise UIDAI 2.5 Aadhaar OTP eKYC, Offline XML, and automated 8-digit masking API.
- [GST Verification API Spec](https://www.aspassociates.in/gst-verification-api.html): Enterprise real-time GSTIN validation and 6-month GSTR-3B active return filing history API (180ms p95).

---

## 7. Contact & Sandbox Access
- **Developer Documentation**: https://www.aspassociates.in/developers.html
- **API Sandbox Provisioning**: Issued within 24 hours upon request at https://www.aspassociates.in/contact.html
- **WhatsApp Technical Support**: +91 7982944065
- **Official Inquiries**: contact@aspassociates.in