AI and Blockchain Based eKYC Verification System

Abstract

With the rapid evolution of digital services, the importance of identity verification is paramount. Conventional KYC procedures involve tedious processes, which are prone to fraud and data breaches. This project outlines the design and development of the AI and Blockchain Based eKYC Verification System. It provides the benefits of rapid and accurate identity verification. In the proposed model, the eKYC verification is done using the Artificial Intelligence-based face recognition and liveness detection techniques. It verifies the identity of the user by comparing the live selfie with the ID photograph. Blockchain technology is employed to ensure the security of the data. It stores the identity data in the form of digital hashes, which is immutable and tamper-proof. Smart contracts ensure the rules to be followed, such as one-time user registration. This proposed model is accurate and rapid, making it suitable for various applications. It can be applied to the banking sector, financial institutions, and e-governance.

Introduction

Over the past decade, India has witnessed rapid digital adoption through technologies like UPI, Aadhaar, and online banking, with over 900 million internet users. This growth has been accompanied by a surge in cybercrimes such as identity theft, fraud, and illegal access to personal data. Traditional KYC systems are manual, centralized, and prone to delays, errors, and fraud, highlighting the need for automated, secure eKYC solutions.

The proposed solution combines Artificial Intelligence (AI) and Blockchain to create a secure, real-time, and tamper-proof identity verification system. AI handles face recognition, liveness detection, and fraud prevention, while blockchain ensures decentralized, immutable storage and smart contract enforcement for one-user-one-identity verification. The hybrid system addresses key challenges in scalability, privacy, spoofing, and real-time verification, providing a reliable, efficient, and fraud-resistant eKYC solution.

Conclusion

The AI & Blockchain Based eKYC Verification System is an efficient, effective, and safe system for the verification of digital identities. The system utilizes various artificial intelligence technologies such as face recognition and liveness detection, along with the power of blockchain technology, to provide the best possible experience in the verification of user identities. The system is effective in the verification process as compared to traditional KYC systems, which often result in various issues such as the risk of identity theft, data tampering, and the registration of duplicate identities. The system is effective in the verification process as compared to traditional KYC systems, which often result in various issues such as the risk of identity theft, data tampering, and the registration of duplicate identities. The system is effective in the verification process as compared to traditional KYC systems, which often result in various issues such as the risk of identity theft, data tampering, and the registration of duplicate identities. The system is effective in the verification process as compared to traditional KYC systems, which often result in various issues such as the risk of identity theft, data tampering, and the registration of duplicate identities. The system is effective in the verification process as compared to traditional KYC systems, which often result in various issues such as the risk of identity theft, data tampering, and the registration of duplicate identities. The system is effective in the verification process as compared to traditional KYC systems, which often

References

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Copyright

Copyright © 2026 Dr. Bharathi, V. Harshith, Y. Indrajeet, S. Omkar. This is an open access article distributed under the Creative Commons Attribution License, which permits unrestricted use, distribution, and reproduction in any medium, provided the original work is properly cited.