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KPLEX ID-CAAS
(Centralized ID Management, Authentication and Authorization)

A security foundation that ties every functional banking or payment building block together. A fully cloud-native service that delivers bank-grade authentication and fine-grained authorization for every user, channel, API and micro-service. By centralizing these controls eliminate duplicate credential stores, reduce core-system load and let product teams plug in new capabilities and use-cases in a consistent, secure manner.

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KPLEX AUTH-N Engine

High Performance Cloud-native ID management, Authentication and SSO Engine. Verifies every user and system identity in milliseconds, forming the zero-trust entry point to all your services in a collaborative enterprise environment.

What it does

  • Multi-factor & rule-driven logins—Password, fingerprint, mobile OTP, certificates, all enforced through a configurable rule engine.

  • Single Sign-On (SSO) using industry standards (OS2/OAuth2).

  • Token-based session management with sliding-window validity

Illustrations of how it can help

  • Stops credential stuffing & SIM-swap fraud across consumer apps and partner portals.

  • A user logs in once and seamlessly navigates payment dashboards, dispute screens and fee-admin consoles.

  • Keeps latency low for high-TPS channels like the RTP switch operating at 1000 + TPS.

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KPLEX AUTH-Z Engine

Scalable Entitlements engine that enforces fine-grained, role-aware permissions on every user action and API call, ensuring the right access enabled and validated at the right time. 

What it does

  • Role and hierarchy-based access (RBAC)—supports multi-level org structures (employees, agents, merchants, partners).

  • Contextual rules—authorize by transaction type, amount, channel or even composite rules (e.g. User, App ID, Amount).

  • Maker-Checker & audit trails baked in.

Illustrations of how it can help

  • A distributor sees all sub-merchant settlements; a clerk sees only today’s refunds.

  • Large-value RTP payouts may require dual approval while small retail P2P flows remain instant.

  • Meets regulatory “four-eye” requirements without extra coding.

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