Network Orchestration of Vendor APIs
NOVA is a multi-module resilience gateway that provides unified APIs for various financial and verification services. The platform is designed with intelligent vendor management, health monitoring, and automatic fallback capabilities to ensure high availability and consistent performance.
Get StartedAPI Availability
Average Response Time
Zero Downtime with Fallback
Integrated Modules
The Challenge
Every lender today depends on dozens of APIs — for KYC, credit scores, fraud checks, and more. But when even one vendor slows down or fails, the whole journey breaks. Customers get stuck, SLAs collapse, and engineers waste days firefighting.
NOVA solves this. It gives you a single, resilient API with built-in monitoring, fallback, and circuit breakers — keeping your lending flows always-on, no matter what happens behind the scenes.
Core Capabilities
Unified API Gateway
Single integration point for all financial and verification services across multiple vendors. Simplify your integration complexity with one consistent API interface.
Real-Time Health Monitoring
Continuous monitoring of vendor API health with automatic routing adjustments. Track availability, latency, error rates, and performance metrics in real-time.
Automatic Fallback Protection
Intelligent routing to backup vendors when primary services experience issues. Ensure zero downtime with seamless failover and automatic recovery.
Intelligent Vendor Management
Centralized control over vendor selection, routing rules, and cost optimization. Configure primary, secondary, and tertiary vendors for each service module.
Session Affinity
Consistent vendor usage across multi-step processes. Maintain session continuity for complex workflows requiring multiple API calls.
Circuit Breaker Pattern
Prevent cascading failures with intelligent circuit breakers. Automatically isolate failing vendors and prevent system-wide outages.
Performance Monitoring Dashboard
Monitor vendor performance metrics in real-time. Track availability, latency, error rates, and total calls across all integrated vendors with comprehensive analytics.
Vendor Performance Metrics
- Track availability, latency, and error rates per vendor
- Monitor primary, secondary, and tertiary vendor roles
- View total calls and client error rates in real-time
Always-On Reliability
- System active status with automatic health checks
- Track transactions protected with fallback system
- Monitor backup provider switches in real-time
Service Health Analytics
Comprehensive analytics on API status distribution and service health. Identify error patterns, monitor success rates, and ensure optimal performance across all modules.
API Status Distribution
Monitor API success rates over time with detailed hourly breakdowns. Track error patterns and identify peak usage periods for capacity planning.
No Service Interruptions
Zero downtime guarantee with automatic fallback protection. Our system ensures seamless service continuity even when primary vendors experience issues.
Automatic Backup Protection
Intelligent backup system automatically switches to fallback providers when issues are detected, keeping everything running smoothly without manual intervention.
Zero Downtime, Seamless Experience
Users experience zero downtime with seamless failover. All issues are handled automatically with fallback, ensuring no customer impact.
Last check: just now
Intelligent Error Analysis
Understand error patterns and their root causes. Distinguish between user-related issues and vendor failures to optimize your integration and improve user experience.
Service Health Distribution
Issues caused by user actions such as closing verification windows, incomplete data entry, or abandoning processes before completion.
Errors caused by server/vendor problems, which were automatically resolved by our fallback system.
Key Insights
Most errors came from user-related issues, not vendor failures.
All issues were handled automatically with fallback, no customer impact.
Overall, users experienced zero downtime.
Service Health (Last 12h)
Platform Features
Built-in resilience patterns and intelligent routing ensure your services stay online and performant.
Reactive Fallback
Automatic vendor switching when primary vendor fails. Intelligent routing ensures requests are seamlessly redirected to healthy alternatives.
- Automatic vendor health detection
- Seamless failover with zero downtime
- Configurable fallback priority chains
Health Monitoring
Continuous monitoring with automatic routing adjustments. Track vendor performance and make data-driven decisions about vendor selection.
- Real-time availability tracking
- Latency and error rate monitoring
- Automated health check intervals
Session Affinity
Consistent vendor usage across multi-step processes. Maintain session continuity for workflows requiring multiple related API calls.
- Session-based vendor pinning
- Multi-step process continuity
- Configurable session duration
Circuit Breaker
Prevents cascading failures by isolating unhealthy vendors. Automatically opens circuit when error thresholds are exceeded.
- Automatic failure detection
- Configurable error thresholds
- Automatic recovery attempts
Global Module Ecosystem
A comprehensive suite of financial and verification services spanning identity, banking, documents, and compliance—all accessible through a single unified API gateway with intelligent vendor orchestration.
Identity Verification
eKYC (Electronic Know Your Customer)
DigiLocker integration for identity verification with Aadhaar-based authentication. Multi-vendor fallback ensures 99.9% uptime for critical KYC workflows.
PAN Verification
Real-time PAN card verification and details retrieval with vendor fallback. Validate PAN status, name matching, and retrieve comprehensive cardholder information.
Voter ID Verification
Verify voter ID cards with EPIC number validation. Extract and validate voter information including name, address, and photo verification with multiple vendor support.
Driving License Verification
Validate driving licenses with DL number verification. Extract license details, validity dates, and vehicle class information with intelligent routing.
Banking & Financial Services
Bank Statement Analysis (BSA)
Comprehensive bank statement analysis with financial data extraction. Analyze cash flow, transaction patterns, salary credits, and financial health with AI-powered insights.
Bank Account Aggregator
Aggregated bank account data and transaction analysis via Account Aggregator framework. Real-time access to financial data with user consent and multi-bank support.
Penny Drop Verification
Bank account verification via small transfer and name fetch. Validate account ownership, IFSC codes, and account holder names with instant verification.
UPI Verification
Verify UPI IDs and validate account linkage. Check UPI handle validity, fetch account holder names, and ensure seamless payment integration with fallback support.
Biometric & Visual Verification
Face Match Verification
Compare two face images and return match score with decision. Advanced facial recognition with liveness detection and anti-spoofing measures across multiple vendors.
Image Liveness Detection
Verify authentic photographs and detect spoofing attempts. Real-time liveness detection with passive and active checks to prevent fraud with redundant vendor options.
OCR Document Extraction
Extract text and data from documents using advanced OCR. Support for multiple document types including IDs, bills, and financial statements with high accuracy.
Video KYC (VKYC)
Conduct video-based KYC verification with live agent or AI-powered automation. Record, verify, and store video KYC sessions with compliance and audit trails.
Document & Signature Services
eSign (Electronic Signature)
Digital document signing with Aadhaar-based verification. Legally valid electronic signatures with vendor redundancy for critical document workflows.
Digital Signature Certificate (DSC)
Issue and verify digital signature certificates for secure document signing. Support for Class 2 and Class 3 DSC with certificate lifecycle management.
Document Verification
Verify authenticity of documents including utility bills, rent agreements, and employment letters. AI-powered fraud detection with template matching.
Stamp Paper Generation
Generate e-stamp papers for legal agreements and contracts. Integration with SHCIL for valid stamp duty payment with instant generation and verification.
Credit & Risk Assessment
Credit Bureau Reports
Fetch credit reports from CIBIL, Experian, Equifax, and CRIF. Comprehensive credit history with multi-bureau support and intelligent vendor routing for high availability.
GST Verification
Verify GST registration and fetch business details. Access GST returns, turnover data, and compliance status with real-time verification and fallback support.
Alternative Credit Scoring
AI-powered credit scoring using alternative data sources. Assess creditworthiness for thin-file customers using digital footprint, utility payments, and behavioral data.
Fraud Detection Engine
Real-time fraud detection across all verification modules. ML-powered risk scoring with device fingerprinting, velocity checks, and pattern analysis.
Active Modules
Vendor Integrations
Module Uptime
Monitoring
Transform Your API Integration
NOVA delivers measurable improvements across reliability, performance, and operational efficiency.
Uptime Guarantee
Ensure high availability with automatic fallback and intelligent routing
Faster Integration
Reduce integration time with unified APIs instead of multiple vendor SDKs
Zero Downtime
Seamless experience with automatic vendor switching and circuit breakers
Cost Savings
Optimize costs with intelligent vendor selection and usage-based routing
Ready to simplify your API integrations?
Let NOVA handle the complexity of vendor management while you focus on building great lending products. Experience zero downtime with intelligent fallback and monitoring.
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