Depending on the KYC state of the account holder, limits are defined as per RBI Guidelines:

Maximum balance allowed across accounts for,

• Min KYC Users: Rs. 10000 across accounts
• Aadhaar OTP KYC user: Rs. 1 lakh max balance across accounts

Yes. However, in case of different phone number or OVD number, there are 2 use-cases to consider below:

Use-Case 1: Let’s say, a user uses the same phone number but 2 different OVD numbers to create 2 accounts in 2 different VBOsfintechs. In such a case the entry for that particular Account Holder will be expanded in the system by adding both the provided OVD numbers.

Use-Case 2: Let’s say, a user uses the same OVD number but 2 different phone numbers to try to create accounts in 2 different VBOsfintechs. In such a case, since suspicion over the genuinity of the user arises, an error message will be sent out to the user asking to use a different phone number (Third phone number). If the user does not provide a different phone number, then an offline process involving the ops team checking the phone and OVD numbers will take place.

Artefacts represent elements of customer interest that the bank is capable of provisioning and maintaining for the customer. Products are a commercial packaging of artefacts. Bundle is a collection of products which is issued to an end user of VBOfintech. Fusion configures bundles as per the requirements of the VBOfintech. See Fusion Business Constructs Resource types for more detailed information.

Bundles are issued to the end users of VBOfintech. Bundles are issued via the issueBundle API.

The response of the issueBundle call details the Account Products and the Payment Products issued.

Yes, you can use the following ResouceByVector API to get the payment resources linked to an account holder:
/api/v1/ifi/{ifiID}/resourceByVector?vectorType=ACCOUNTHOLDER&vectorValue=AH_ID&view=BASIC.

Allowed vectorType is ACCOUNTHOLDER and vectorValue is AH_ID. You can also pass view as an optional field which can be of 2 types:

• BASIC: this returns active and inactive Form Factors.
• EXPANDED: this returns active, inactive and deleted Form Factors.

By default, view will be set to BASIC.

Yes. Following APIs are used for partial bundle issuance (artefacts).

• Issuing Account Products - /api/v1/ifi/{ifiID}/bundles/{bundleID}/issueAccount
• Issuing Resources - /api/v1/ifi/{ifiID}/bundles/{bundleID}/issueResource
• Issuing Form Factors - /api/v1/ifi/{ifiID}/bundles/{bundleID}/issueFormFactor

Yes. Custom-made accounts and payment products are grouped as a Bundle and issued to the Account Holders. Even if there is a single product to be issued, it will be availed via the construct of a bundle.

For example, a salary account bundle gives you a Savings account bundled along with a VISA Coral Debit card.