Stack the boring parts.
Identity, accounts and compliance arrive as finished pieces. You assemble the product; we hold up the floor.
Nigeria first. NIN, BVN, NUBAN, CBN tiers.
Three pieces. Assembled however your product needs them.
Take one. Take all three.POST /v1/verifications { "check": "bvn", "subject": { "full_name": "Chidi Nwosu", "document_id": "22222222222" } }
201 { "decision": "approved", "confidence": 0.97 }
Sandbox. Test identities only; nothing is checked against a real BVN.
POST /v1/sandbox/scenarios { "next_transfer": "timeout_completes" } POST /v1/transfers Idempotency-Key: 4e7a1c90 { "from_account": "bcr_9f8e7d", "to_account_number": "0123456789", "amount": 2500000 }
202 { "id": "7c1d2e3f", "status": "pending", "amount": 2500000, "currency": "NGN" }
Amounts are kobo: 2500000 is NGN 25,000.00. The sandbox bank was told to time out, so the funds stay reserved until it says what happened. Nothing is guessed.
evidence record actor key_7a8b9c occurred_at 2026-10-04T09:00:12Z subject Adaeze Okonkwo decision rejected reason nin_mismatch inputs_hash sha256:9f2c41…e41a provider provider_b policy_version 2026-08-a
Written in the same transaction as the decision, with the provider’s raw response encrypted alongside. This is what an examiner asks for.
Their downtime stops being yours.
A single bank partnership is quicker to launch and worse to own. It caps who will integrate with you, and hands your customer relationship to somebody else. We abstract across issuers, so you write one integration and reach all of them.
No issuer carries more than 60%. When one goes down, the next account opens at another.
Liveness mismatch · confidence 42%
Unusual velocity · 3 transfers in 24h
Your brand, on your subdomain.
The onboarding flow and the compliance console carry your colours, not ours. Twelve variables change; the structure does not, which is why it stays legible when it changes.
We handle camera access, document edge cases, consent capture and its versioning. Your customers never see our name.
We work with ten teams at a time.
Building something in Nigeria that moves money, and compliance is the part standing between you and launch? We would rather build it with you than at you — free for twelve months, and your requirements shape the roadmap ahead of everyone else’s.