LiquiCoLiquiCo
The full lifecycle

How investing works — end to end.

Every investor passes through the same regulated path — from first click to final exit.

  1. 01

    Land & sign up

    Email or phone, an OTP, done in ~30 seconds.

  2. 02

    CKYC check (invisible)

    We search the Central KYC registry by your PAN. If you already have a record, it auto-fills. If not, we create one.

  3. 03

    DigiLocker pull

    Authenticate with your Aadhaar-linked OTP and consent; your PAN and Aadhaar return digitally signed by the government. No uploads, no OCR.

  4. 04

    AI liveness + Video-KYC

    Passive liveness, deepfake and spoof detection, and face-match — then a short live V-CIP call. The legal face-to-face-equivalent step.

  5. 05

    AML screen + eligibility

    PEP and sanctions screening, CKYC de-duplication, residency/FEMA and accreditation checks; your record is filed to CERSAI within 3 days.

  6. 06

    Wallet provisioned

    An institutional MPC wallet in one tap (or connect your own). This address becomes your on-chain identity.

  7. 07

    On-chain identity + whitelisting

    A KYC proof is issued to your ONCHAINID (a hash, never your personal data) and your wallet is added to the token allowlist. This is the gate.

  8. 08

    Browse & select

    Asset, SPV structure, tranche, price, yield, lock-in, exit terms. Choose your amount, from ₹10,000.

  9. 09

    Subscribe + fund

    E-sign the subscription agreement; pay by UPI or netbanking. Funds settle into the SPV's bankruptcy-remote escrow — never LiquiCo's account.

  10. 10

    Purchase executes

    On settlement, the ERC-3643 contract checks your ONCHAINID before moving anything. Verified, so it settles instantly. A non-whitelisted wallet would simply fail.

  11. 11

    Holding period

    See your NAV and auto-credited distributions (coupon or rent). Corporate actions are handled on-chain by the transfer agent.

  12. 12

    Exit

    Three paths: (a) Secondary sale through a scheduled liquidity window — no re-KYC, compliance travels with the token, and the buyer must already be whitelisted; (b) SPV buyback / redemption at NAV at a set window — tokens burned, money returned; (c) Asset event — on sale or wind-down, proceeds are distributed pro-rata to all holders and tokens retired.

  13. 13

    Settlement & tax

    Funds land, capital-gains / TDS applied automatically, and the statutory register updates.

Onboarding is simulated for this demo; the production flow integrates DigiLocker, CKYC, UIDAI, RBI V-CIP and the Account Aggregator framework.