Disclaimer: This entire project — including all documentation, architecture decisions, vendor analysis, and code — was generated using Claude Code, an AI-powered coding agent by Anthropic. AI models can and do hallucinate. Any information presented here may be inaccurate, incomplete, or outdated. Any resemblance to or overlap with the products, documentation, or intellectual property of any specific vendor, organization, or individual is purely coincidental and unintended. This project is not directly inspired by any particular product, vendor, or proprietary system, and no plagiarism is intended. All content is based on publicly available information, regulatory circulars, and vendor documentation freely accessible on the internet. This is not legal, financial, or compliance advice. This project was primarily undertaken to estimate Claude Code's research and solution-design capabilities.
A comprehensive technical specification for individual customer KYC (Know Your Customer) onboarding in an Indian stock broking firm. Covers the full journey from mobile OTP to first trade in 24-72 hours.
Live site: https://javajack.github.io/broking-kyc/
- 9-screen mobile-first user journey — mobile OTP, PAN, DigiLocker, identity confirmation, bank verification, trading preferences, nominations, declarations, and eSign
- ~454 fields across 30 sections, with ~90% prefilled via DigiLocker, KRA, and CKYC
- 25+ vendor integrations — Decentro, Digio, HyperVerge, Leegality, TrackWizz, Setu, and more
- 8 parallel batch pipelines — KRA, CKYC, NSE, BSE, MCX, CDSL, NSDL, and Income
- Maker-checker admin workflow with status machine and error handling
- Full SEBI/KRA/CKYC regulatory compliance mapping with circular references
- Exchange & depository integration specs for NSE, BSE, MCX, CDSL, and NSDL
- Cost analysis, code tables, and architecture diagrams
The documentation site is built with:
- Astro v5 + Starlight — static site generator for docs
- Pagefind — client-side search
- GitHub Pages — hosting
- GitHub Actions — CI/CD
broking/
├── kyc-docs-site/ # Astro Starlight documentation site
│ ├── src/
│ │ ├── content/docs/ # All documentation pages (56 markdown/mdx files)
│ │ ├── components/ # Custom Astro components
│ │ └── styles/ # Custom CSS
│ ├── public/ # Static assets (diagrams, images)
│ ├── dev.sh # Start local dev server
│ ├── prod.sh # Build and preview production
│ └── stop.sh # Stop running servers
├── .github/workflows/ # GitHub Pages deployment
├── LICENSE # MIT
└── README.md # This file
cd kyc-docs-site
# Install dependencies
npm install
# Start dev server (hot reload)
./dev.sh # runs on http://localhost:4321/broking-kyc
# Or production preview
./prod.sh # builds then serves on http://localhost:4322/broking-kyc
# Stop servers
./stop.sh # stops all, or ./stop.sh dev / ./stop.sh prod37+ circulars across SEBI, RBI, NPCI, and MeitY are tracked. Here are the most critical ones:
| Regulation | Reference |
|---|---|
| SEBI KYC Master Circular | SEBI/HO/MIRSD/MIRSD-SEC-2/P/CIR/2023/168 (Oct 2023) |
| KYC Process & Technology (Online KYC, VIPV) | SEBI/HO/MIRSD/DOP/CIR/P/2020/73 (Apr 2020) |
| KYC Simplification at KRAs | SEBI/HO/MIRSD/FATF/P/CIR/2023/0144 (Aug 2023) |
| PAN-Aadhaar Linking Relaxation | SEBI/HO/MIRSD/SECFATF/P/CIR/2024/41 (May 2024) |
| Dual KRA + CKYC Upload | SEBI/HO/MIRSD/SECFATF/P/CIR/2024/79 (Jun 2024) — mandatory since Aug 2024 |
| FATCA/CRS Centralization at KRAs | SEBI/HO/MIRSD/SECFATF/P/CIR/2024/12 (Feb 2024) — mandatory since Jul 2024 |
| AML/CFT Guidelines | SEBI/HO/MIRSD/SECFATF/P/CIR/2024/78 (Jun 2024) |
| DDPI replacing POA | SEBI/HO/MIRSD/DoP/P/CIR/2022/44 (Apr 2022) — mandatory since Nov 2022 |
| Nomination Revamp (up to 10 nominees) | SEBI circular (Jan 10, 2025) — video verification for opt-out |
| DigiLocker for Demat Holdings | SEBI/HO/OIAE/OIAE_IAD-3/P/CIR/2025/32 (Mar 2025) |
| SEBI Stock Brokers Master Circular | SEBI/HO/MIRSD/MIRSD-PoD/P/CIR/2025/90 (Jun 2025) |
| SEBI Stock Brokers Regulations 2026 | SEBI/LAD-NRO/GN/2026/291 (Jan 7, 2026) — replaces 1992 regulations |
| Client Fund Upstreaming | SEBI/HO/MIRSD/MIRSD-PoD-1/P/CIR/2023/84 (Jun 2023) |
| UPI Block Mechanism (QSBs) | SEBI consultation paper (Aug 2024) — mandatory from Feb 1, 2025 |
| T+0 Settlement | SEBI/HO/MRD/MRD-PoD-3/P/CIR/2024/20 (Mar 2024) — top 500 stocks Dec 2024 |
| e-KYC Setu (NPCI) | SEBI press release (Jun 2025) — Aadhaar e-KYC without AUA/KUA license |
| UPI AutoPay Rs 1 Lakh Limit | RBI/2023-2024/88 + NPCI/UPI/OC-151A (Dec 2023) |
| Account Aggregator Master Direction | RBI/DNBR/2016-17/46 (Sep 2016, updated Sep 2024) |
| DPDP Act 2023 + Rules 2025 | Notified Nov 13, 2025 — full compliance deadline May 2027 |
| KYC Onboarding Consultation Paper | SEBI (Jan 16, 2026) — proposes centralized KYC, 5-year review cycle |
See the full Regulatory Circulars (37 entries with official links) and References & Sources (130+ URLs) pages for complete listings.
Rakesh Waghela — Technology & Product Consultant
Available for consulting and collaboration on technology strategy, product architecture, and system design. Reach out via LinkedIn for inquiries.
Built entirely with Claude Code by Anthropic.