RUID Perso (Instant)

Instant Card Personalization

Branch-Level · On-Demand · Real-Time

Walk in. Get your card.
Personalized on the spot.

RUID Perso (Instant) enables on-demand card issuance at the branch level. Customers walk in, complete biometric enrollment, and receive a fully personalized, chip-encoded card in minutes — with BIX applet provisioning and ICBA biometric authentication built in. No waiting for central bureau processing.

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Contactless enabled

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INSTANT ISSUE

BIX

Customer Enrollment Biometric capture & identity verification

Data Preparation Real-time issuer data formatting

Card Encoding BIX applet + EMV personalization

Quality Assurance Chip verification & visual inspection

Card Delivery Hand to customer — ready to use

Instant Issuance Features

From customer walk-in to card-in-hand — RUID Perso (Instant) handles every step of branch-level card personalization.

Branch-Level Issuance

Deploy card personalization hardware at any branch. No dependence on central bureau — issue cards where customers are.

Real-Time Personalization

Full EMV personalization including chip encoding, magnetic stripe writing, and embossing in under 90 seconds per card.

Biometric Enrollment

Capture fingerprint, face, or iris at the point of issuance. Biometric template stored on-card via BIX applet.

HSM-Secured Cryptography

Integrated with RUID Kms for per-card key derivation, PIN generation, and encrypted key block management.

Multi-Scheme Support

Supports Visa, Mastercard, RuPay, and local payment schemes with scheme-specific script generation.

Audit & Compliance

Complete audit trail for every card issued. PCI-DSS compliant with tamper-evident logging and role-based access.