FP-Cybrilla POA Gateway Overview(Beta)

The FP-Cybrilla POA Gateway enables you(BuyerApp) to process mutual fund orders via Cybrilla POA gateway(SellerApp) through ONDC protocols , using Cybrilla as the ONDC-verified BuyerApp TSP. This document highlights how the Cybrilla POA route differs from the traditional RTA route and outlines the key steps involved in onboarding and transaction flows.

Identity & Onboarding

During investor onboarding, you must collect the following details:

• Investor profile information
• Address details
  • The nature parameter is mandatory when creating an address.
• Bank account information
• Email address
• Mobile number

While Cybrilla POA performs KYC and BAV checks at the time of order processing, you can choose to do these checks earlier as per your onboarding User experience design. You can utilise FPdocs, Bank account verification and FPdocs, KYC Check.

• KYC Check: If you wish to perform KYC Check, you'll need to sign up with a KRA. Cybrilla currently supports CVL KYC (charges apply).
• Bank Account Verification (BAV): Supported via Razorpay (charges apply).

Order Creation Flow

MF Investment Account Creation(MFIA)

To create the purchase orders, MF Investment Account must be created using MF Investment Account . Please note the following restrictions for cybrillapoa gateway:

• fourth_tax_residency is not supported for resident_individual
• Only savings bank account type is allowed

Order Creation Flow

1. Create Purchase Order: When a purchase order is created using the MF Purchase from FPDocs, the order enters the under_review state immediately after creation.

2. Review Completion: The cybrillapoa gateway will asynchronously review the order details in the background. If the review passes, the order is marked as pending and mf_purchase.review_completed event is delivered. Else, the order is marked as failed.

3. Consent Collection: Required before payment can be initiated. Once the order is in pending state, consent must be obtained from the investor and updated against mf_purchase using the Update MF Purchase .

4. Payment Creation: After consent updation, create a payment against the order using the Create Payment API .

5. Order Submission: Next mark the order as confirmed using Update MF Purchase . Once confirmed, the order is submitted to the cybrillapoa gateway and upon successful submission, its status becomes submitted.

6. Payment Collection: When the order is submitted, redirect investor to the token_url to complete payment.

7. Order processing: Based on the order processed at the RTAs, the order will move to its final state of either successful or failed.

Basket Orders (Batch)

To create basket orders against which a single payment can be created, the steps remain the same as for single order except for the following:

• Use the Batch Order API to create multiple orders.
• Consent must be updated individually per order using the Update Order .
• Use Update Batch Order API to update the orders status to confirmed.
• Payment must be created for all orders created using  Batch Order .

Redemption flow

1. Create Redemption Order: When you create an order using Create MF Redemption , the order will be in under_review state.

2. Review Completion: The cybrillapoa gateway will asynchronously review the order details in the background. If this review passes, the order is marked as pending  and mf_redemption.review_completed event is delivered. Else, the order is marked as failed .

3. Consent Collection: Once the order is pending state, consent can be obtained from the investor and mark mf_redemption as confirmed  using Update a MF Redemption .

4. Order Submission: When the order is confirmed , it will be submitted to the cybrillapoa  gateway and upon successful submission, the order is marked as submitted . Upon the order processing at the RTA, the order moves to its final state of either successful or failed .