RBI Audit Stress Solved: Instantly Prove
Who Has Access to What.
Stop the manual, error-prone spreadsheets. Achieve Continuous Audit Readiness under the latest RBI Master Directions with Cross Identity.
The Fintech Revolution: Powering India’s $5 Trillion Dream
India’s Fintech ecosystem is the engine of the national economy. With over 9,900 FinTech and a global-leading adoption rate of 87%, the industry is the backbone of the "India Stack."
As FinTech scale to handle billions of transactions via UPI, Aadhaar, and Account Aggregators, they have evolved from simple apps into systemically important infrastructure. This growth has brought a new era of scrutiny: The RBI no longer views you as a startup, they view you as a financial institution.
Characteristics of the Modern Fintech Ecosystem
To lead the market, your infrastructure must be:
Hyper-Scalable
Onboarding millions of users and thousands of internal identities instantly.
Deeply Interconnected
Relying on a complex web of APIs, third-party vendors, and multi-cloud environments.
Deeply Interconnected
Relying on a complex web of APIs, third-party vendors, and multi-cloud environments.
Data-Centric
Handling sensitive PII and financial records that require absolute integrity.
Data-Centric
Handling sensitive PII and financial records that require absolute integrity.
Always-On
Operating in a high-frequency environment where a single unauthorized access can lead to catastrophic loss
Always-On
Operating in a high-frequency environment where a single unauthorized access can lead to catastrophic loss
The RBI Cybersecurity Master Directive: The Cost of Non-Compliance
The RBI’s Master Direction on IT Governance, Risk, and Controls has made manual compliance obsolete. Compliance is no longer a "check-the-box" annual event; it is a continuous mandate.
The "Proof" Burden
The Manual Trap
Financial Hit
The Brand Crisis
Don’t Wait for a Show-Cause Notice.
See how your current access controls map against the 2025 RBI Mandates.
One Platform. Every Archetype
The RBI applies different pressures based on how you handle money. Cross Identity is the only IGA platform tailored for every fintech model:
- Payments & Wallets (PAs/PPIs) • The Headache: Separation of Duties (SoD). The RBI mandates that code-writers cannot be fund-movers.
• The Cross Identity Fix: Real-time prevention of conflicting access rights across your entire production stack. - Digital Lending (NBFCs) • The Headache: PII Protection. Proving that sensitive borrower data is accessed strictly on a "need-to-know" basis.
• The Cross Identity Fix: Logs every "Who, When, and Why" of customer data access for an ironclad audit trail. - WealthTech & Broking • The Headache: Privileged Access. Controlling "God-mode" access to core investment engines.
• The Cross Identity Fix: Implements "Just-in-Time" access for admins, ensuring no permanent "keys to the kingdom."
- B2B SaaS & Enablers • The Headache: Third-Party Risk. Your banking partners are now required by the RBI to audit you.
• The Cross Identity Fix: Generates "Bank-Ready" audit reports in one click to satisfy your partners' compliance teams. - Emerging Tech (AI/Web3) • The Headache: Rapid Scaling. Manual access mapping cannot keep up with cloud-native innovation.
• The Cross Identity Fix: "Zero-Touch" discovery that auto-maps identities as fast as you deploy code.
Why Cross Identity IGA?
Cross Identity replaces "spreadsheet chaos" with an automated Identity Governance and Administration (IGA) engine.
Ready to Automate Your RBI Compliance?
Don't let a manual oversight be the reason for your next audit finding. Let Cross Identity show you how we solve the access problem entirely.
