<h1>Three major mobile operators launch federated network APIs to verify identities, prevent SIM-swap takeovers, and replace SMS OTPs</h1> Three leading Indian mobile operators announced collaborative deployment of federated network APIs under an industry gateway framework to enable banks and online platforms to verify identities, prevent SIM-swap account takeovers and replace SMS OTPs, while retaining operator control over data, policy and revenue. The initiative raises legal considerations including data protection and cross-operator data sharing compliance, liability allocation for authentication failures, contractual terms for API access and revenue sharing, and regulatory oversight by telecom and financial authorities. A contemporaneous industry survey reported widespread consumer scam exposure and material financial loss, supporting the stated public-safety and fraud-prevention rationale for the initiative.