RBI AA Audit
Independent regulatory cybersecurity and consent framework audits for licensed Account Aggregators (NBFC-AA). Ensure absolute data privacy and robust FIP-FIU integrations.
RBI Account Aggregator Framework
The **NBFC-Account Aggregator (NBFC-AA)** structure is one of the most critical elements of India's open financial framework. As an intermediary, the Account Aggregator cannot read, store, or view customer financial data; its role is limited to transporting encrypted data from **Financial Information Providers (FIPs)** to **Financial Information Users (FIUs)** based on explicit user consent.
Because of this high-security threshold, the RBI mandates rigorous independent cybersecurity audits. We evaluate encryption handshakes, key storage, data transit hygiene, authorization endpoints, and operational resilience to ensure 100% compliance.
Why RBI AA Audits?
Verify Cryptographic Pipelines
Ensure customer financial data remains end-to-end encrypted and completely unreadable by the aggregator systems.
Validate Consent Architecture
Assess consent request structures, validity bounds, dynamic revocability, and audit logs.
Review FIP-FIU Integrations
Inspect API boundaries, authentication methods, tokens, and data payload integrity.
Certified Regulatory Filings
Obtain the certified system and cybersecurity audit report required for submission to the RBI.
AA Audit Lifecycle
A rigorous, end-to-end regulatory review ensuring compliance and validation of Account Aggregator systems.
Architecture & Data Mapping
Reviewing system architecture, database security, API endpoints, consent engine configurations, and FIP/FIU integration workflows.
Cryptographic & Privacy Controls
Evaluating public-private key exchange systems, data-in-transit encryption, and strict data flow rules to ensure the AA acts only as a pipeline.
API & Endpoint Penetration Testing
Detailed vulnerability assessments and penetration testing (VAPT) on all external-facing APIs, web consoles, and customer mobile apps.
Compliance Audit Sign-off
Preparing audit findings, reviewing resolution of gaps, and issuing the empanelled audit report template for immediate submission to the RBI.
Certify Your
Account Aggregator Platform
Secure your FIP and FIU data transfer channels. Consult with our empanelled cyber audit experts today.