Viable DigiSeva Private Limited, a Gurugram-based fintech company founded in 2021, empowers rural and semi-urban India with digital services from Aadhaar-enabled payment systems (AEPS) and micro-ATMs to utility bill payments and compliance support (GST, ITR), connecting millions of underserved citizens to formal banking and government services.
To streamline onboarding, agreements, and service documentation across thousands of touch points for fast, compliant, and scalable documentation, Viable DigiSeva partnered with Melento to enable secure eSign and digital stamping workflows.
The Challenge
Viable DigiSeva’s expansion across Tier 2 and Tier 3 regions came with operational friction, like manual partner onboarding agreements and KYC processes, slowing deployment, high dependency on physical stamp papers, courier workflows, and regional documentation rules, limited visibility over contract execution and compliance tracking and increased administrative overheads due to decentralized execution and paper-based audits.
To truly scale rural digitization, Viable DigiSeva needed a unified, compliant, and automated documentation system that worked seamlessly across India.
By adopting Melento’s Aadhaar eSign and nationwide eStamping platform, Viable DigiSeva digitized the full lifecycle of documentation, from VLE onboarding to service partner agreements and financial compliance documentation.
Melento’s solution enabled the company to establish a secure, compliant, and paperless digital documentation layer, driving both scale and regulatory assurance.
The Turning Point
Delivered fully digital and compliant execution with Aadhaar eSign, DSC, and nationwide eStamping via SHCIL, eSBTR, and Rajasthan Paperless systems.
Enabled sequential and parallel multi-party signing with automated reminders, notifications, and complete digital audit trails.
Ensured Aadhaar eKYC with geo-tagging, liveness checks, and AI face match, fully compliant with IT and Evidence Acts.
Automated state-wise stamp duty calculation with prepaid wallet, auto top-up, and regional sub-wallet allocation.
Integrated seamlessly into Viable DigiSeva’s systems, enabling expansion with banking, NBFC, and compliance partners.
| Metric | Before Melento | After Melento |
|---|---|---|
| VLE Onboarding | Manual, paper-based |
Fully digital via Aadhaar
eSign + eStamp |
| Documentation Turnaround | 4–7 days |
Reduced TAT by 90%
|
| Stamping Process | Physical, state-specific |
Nationwide digital stamping
|
| Visibility & Tracking | Fragmented, manual |
Centralized dashboard and
audit logs |
| Operational Costs | High courier and printing cost |
55-60% cost reduction
|
| Compliance & Audit | Manual evidence |
Automated, traceable
records |
| Document Storage | Physical |
Centralized, encrypted
repository |
In India’s rapidly evolving fintech ecosystem, financial inclusion depends on speed, trust, and compliance. Companies like Viable DigiSeva operating at the grassroots level cannot afford delays in documentation or onboarding.
By adopting Melento’s secure, regulatory-compliant digital execution stack, rural and semi-urban fintechs can digitize VLE and partner onboarding in real-time, cut operational costs and turnaround time by up to 60%, ensure legally compliant, audit-ready documentation and build scalable, API-ready systems for growth and compliance.
