Hi @vendhan_ram 
,
Welcome to the Niyo Community! 
We’re sorry to inform you that your account has been temporarily frozen due to the non-completion of VKYC. 
As a result, all services linked to your account are currently unavailable.
No worries, though! 
All you need to do is complete your VKYC via the app or by using this SBM VKYC link. Once done, you’ll receive a confirmation from the bank, and your account will be unfrozen so you can transact without any issues. 
If you need further assistance, feel free to reach out to us via the live chat feature in the app. We’re here to help! 
Best regards,
Team Niyo 
