Know Your Client, Protect Their Data,
Control Every Access
The Identity, Security & Governance module is the trust foundation of Aranidhi — managing who has access, what data is stored, how it's protected, and who is accountable.
Security at Every Layer
- Multi-factor authentication & eKYC
- Per-client encrypted data vault
- Role-based access & consent management
- PAN / Aadhaar masking & anonymization
- Full RBI, SEBI, IRDAI & DPDP alignment
Client, Family, CA, Auditor, PMS, Admin
Individual, Family, HUF, Business
Access Control Granularity
Audit Logs & Consent Trail
Financial Identity Graph
One Platform, Every Stakeholder
Most apps have a single user. Aranidhi has a complete financial identity ecosystem — each person, family, HUF or business has a distinct identity with its own role hierarchy, delegation rules and relationship mappings.
- 7 user roles: Client, Family Member, CA, Auditor, PMS Manager, Insurance Advisor, Admin
- 4 entity types: Individual, Family, HUF, Business — all in one platform
- Relationship hierarchy mapping — parent/child, principal/delegated
- Delegation engine: READ / WRITE / APPROVE / FULL access per role
- Advisor ecosystem with professional tagging & expertise classification
Access Control & Consent
Consent-Driven. Feature-Level. Zero Compromise.
Aranidhi's access model goes far beyond account-level permissions. Every feature, every data field, every action can be controlled — aligned with India's Account Aggregator (AA) consent framework.
- Feature-level access control (not just account-level)
- Consent-driven architecture — fully Account Aggregator (AA) aligned
- Sensitive data masking: PAN, Aadhaar, bank account details
- Immutable audit logs for every action, access event and override
- Zero-trust encrypted vault — one isolated vault per client
Security & Data Ownership
Your Data. Your Vault. Your Control.
Every architectural decision in Aranidhi puts data ownership with the client. Per-client encrypted storage, full portability, transaction privacy controls and regulatory compliance built into the core — not bolted on.
- Per-client encrypted storage — data isolation at the storage layer
- Full data portability: export all data on demand in structured formats
- Transaction privacy controls — hide specific transactions from advisor views
- Role-based data visibility — fine-grained control per stakeholder
- RBI, SEBI, IRDAI and DPDP framework alignment by design
Platform Governance
Enterprise-Grade Observability & Risk Control
The Super Admin layer of Aranidhi gives platform operators full visibility into data quality, pipeline health, compliance posture and risk incidents — the control plane for running a financial intelligence platform at scale.
- Data quality monitoring across ingestion pipelines
- Pipeline health dashboards with real-time alerting
- Policy enforcement engine — automated compliance checks
- Risk incident tracking and response workflows
- Super Admin portal: platform-wide controls, audit and governance
Full Capability Set
Everything in the Identity, Security & Governance Module
Financial Identity Graph
Map every user, entity and relationship in a structured multi-level hierarchy with full delegation control.
Zero-Trust Access Control
Feature-level permissions for every role — not just account access. Consent-driven and AA-aligned.
Encrypted Vault
Per-client isolated encrypted storage vault — no shared storage, no cross-client data leakage.
Immutable Audit Logs
Every action, access event and override is written to a tamper-proof, time-stamped audit trail.
Sensitive Data Masking
PAN, Aadhaar and other identifiers masked at rest and in transit. Visible only to authorised roles.
Data Portability
Full export of structured financial data on demand. DPDP-compliant data ownership with deletion rights.
Transaction Privacy
Clients can mark transactions as private, hiding them from advisor views while keeping platform records intact.
Platform Observability
Data quality, pipeline health and risk alerts for Super Admin. Enterprise-grade operational visibility.
Advisor Ecosystem
Professional tagging, expertise classification and controlled-access advisor accounts with secure collaboration.
Compliance-First Architecture
Regulatory Strength You Can Trust
RBI / SEBI Aligned
Account Aggregator framework, consent architecture, and feature-level access controls meeting banking-grade standards.
DPDP Ready
Sensitive data masking (PAN, Aadhaar), immutable audit logs, per-client encrypted vaults, and full data portability on request.
India Stack Native
Deep integrations with AA, NSDL/CDSL, GSTN, Banks, UPI, Brokers and Insurance APIs — connected to the entire Indian financial ecosystem.
Platform Observability
Data quality monitoring, pipeline health, policy enforcement, and risk alerts — enterprise-grade operational controls built in.
Multi-Role Multi-Entity
Individual, Family, HUF, Business entities. CA, PMS Manager, Insurance Advisor, and Admin roles — all with granular delegation controls.
AI-Powered Intelligence
Explainable AI for income forecasting, expense prediction, overspend alerts, liquidity risk detection and behavioral pattern analysis.