# Setu > Setu (a Pine Labs company) builds financial infrastructure for India. We provide regulated, API-first building blocks across three areas: real-time payments (UPI and Bharat Connect/BBPS), identity verification and onboarding (KYC, bank account verification, eSign), and credit infrastructure (Account Aggregator, bank statement analysis). Banks, NBFCs and fintechs use Setu's APIs to launch onboarding, collections, bill payments and credit products. Setu operates as Brokentusk Technologies Private Limited and is regulated for the products that require it. Developer documentation lives at docs.setu.co; the developer console is The Bridge at bridge.setu.co. ## Identity verification and onboarding - [Identity verification and onboarding APIs](https://setu.co/credit-infrastructure/identity-verification-onboarding): From KYC to income verification, bank validation to eSign — 40+ data APIs under one infrastructure, with routing and orchestration built in. - [Switchboard](https://setu.co/credit-infrastructure/identity-verification-onboarding/switchboard): Multi-vendor verification orchestration and routing for higher conversion, configurable failover, and one API integration. - [Bundled Bank Account Verification](https://setu.co/credit-infrastructure/identity-verification-onboarding/bank-account-verification): Intelligent multi-method orchestration for bank account ownership verification, with configurable routing and fallback logic. - [Aadhaar App Based Verification](https://setu.co/credit-infrastructure/identity-verification-onboarding/aadhaar-app-verification): OTP-less, consent-based Aadhaar verification with FaceAuth and QR-based in-app or in-person identity checks. - [eSign and eStamp](https://setu.co/credit-infrastructure/identity-verification-onboarding/esign-estamp): Aadhaar eSign orchestration with dynamic ESP routing and compliant on-demand eStamping across India. ## Credit intelligence - [Credit Intelligence Suite](https://setu.co/credit-intelligence): Consented financial data and AI-powered intelligence for modern underwriting and lifecycle decisions. - [Account Aggregator API](https://setu.co/credit-infrastructure/credit-intelligence/account-aggregator-api): A reliable multi-AA gateway with intelligent AA-FIP routing for consent conversion and financial data fetch success. - [SignalIQ Bank Statement Analyzer](https://setu.co/credit-infrastructure/credit-intelligence/bank-statement-analyzer-api): Reads every transaction in a bank statement, including UPI narrations legacy parsers miss, and turns them into credit insights. ## Real-time payments — UPI - [UPI infrastructure](https://setu.co/real-time-payments/upi): A full-stack UPI platform for accepting payments, automating collections, verifying payment identity, and launching new credit experiences. - [Accept UPI payments](https://setu.co/real-time-payments/upi/accept-payments): Accept UPI payments across checkout links, QR codes and VPA-based reconciliation through one platform. - [Automate UPI collections](https://setu.co/real-time-payments/upi/automate-collections): Recurring payments, pre-transaction fund blocks and multi-debit authorisations for predictable, high-success collections. - [Verify payment identity](https://setu.co/real-time-payments/upi/verify-payment-identity): Real-time bank account and offer validation built directly into UPI payment flows. - [UPI AutoPay](https://setu.co/real-time-payments/upi-autopay): Set up once and auto-collect subscriptions, EMIs and SIPs on time, with faster reconciliation. - [EMI on UPI](https://setu.co/real-time-payments/upi-emi): India's first EMI on UPI infrastructure — pre-approved installment plans at UPI checkout, without a credit card. ## Real-time payments — Bharat Connect (BBPS) - [Bharat Connect suite](https://setu.co/real-time-payments/bbps): One BBPS platform for banks, billers, COUs and Agent Institutions. - [BBPS BOU](https://setu.co/real-time-payments/bbps/bou): Biller Operating Unit infrastructure for banks and businesses collecting recurring payments. - [BBPS COU](https://setu.co/real-time-payments/bbps/cou): Customer Operating Unit infrastructure for banks and platforms offering bill payments. - [BillerHub](https://setu.co/real-time-payments/bbps/billerhub): Bill-collections infrastructure for billers, from onboarding to settlement to reporting. - [B2B payments](https://setu.co/real-time-payments/bbps/b2b-payments): A unified B2B platform for sharing invoices, receiving payments with context, and automating reconciliation. - [Bharat Connect AI Suite](https://setu.co/real-time-payments/bbps/ai-suite): Launch agentic bill payments, metro QR ticketing and mobile recharge without building the rails. - [Agentic bill payments](https://setu.co/real-time-payments/bbps/agentic-bill-payments): India's first AI-assisted bill payment experience. - [MetroQR ticketing](https://setu.co/real-time-payments/bbps/metroqr): Payment and settlement infrastructure for metro QR ticketing, one integration for every metro on the ONDC network. ## Use cases - [Lending](https://setu.co/use-cases/lending): APIs for banks, NBFCs and fintechs to build onboarding, underwriting and payment collection journeys. - [Banking partnerships](https://setu.co/use-cases/banking-partnerships): APIs that let banks broaden product distribution through third-party integrations. - [WealthTech](https://setu.co/use-cases/wealthtech): APIs for stockbrokers, RIAs, AMCs and fintechs building onboarding and collections. - [Insurance](https://setu.co/use-cases/insurance): APIs for insurers and InsurTech companies building onboarding, collections and engagement journeys. ## Developers - [API documentation](https://docs.setu.co/): Guides and quickstarts for all Setu products. - [API references](https://docs.setu.co/api-references): Endpoint-level API reference documentation. - [The Bridge](https://bridge.setu.co/v2): Setu's developer console for configuration, testing and go-live. - [API status](https://status.setu.co): Live uptime and incident history for Setu APIs. - [GitHub](https://github.com/SetuHQ): Open-source SDKs and sample integrations. ## Company - [About Setu](https://setu.co/about): The story and mission behind Setu. - [Case studies](https://setu.co/case-studies): Impact stories from banks, NBFCs and fintechs building on Setu's APIs. - [Testimonials](https://setu.co/testimonials): Customers on what they built with Setu. - [Partners](https://setu.co/partners): The Setu partner ecosystem. - [Careers](https://setu.co/careers): Open roles at Setu. - [Contact sales](https://setu.co/contact-sales): Talk to Setu about building on the stack. - [Find a product](https://setu.co/find-a-product): Match what you are building to the right Setu product. ## Optional - [Privacy policy](https://setu.co/privacy-policy) - [Terms of service](https://setu.co/terms) - [Grievance policy](https://setu.co/grievance-policy) - [Bug bounty program](https://setu.co/bug-bounty-program) - [Blog](https://setu.co/blog): Articles on India's fintech and DPI ecosystem.