Identity and fraud infrastructure
built for African fintech.
Onboard retail users in under 45 seconds. Run KYB with linked KYC on every beneficial owner. Catch fraud in real time. NDPR, FATF, and CBN-compliant out of the box.
Verifications today
12,481
↑ 18.2% vs yesterday
Avg. verification time
38s
↓ 4s faster this week
AML hits flagged
14
↑ 3 vs yesterday
Approval rate
94.3%
↑ 1.1% this week
How it works
From sign-up to
verified user in four steps.
STEP 01
Build your workflow
Toggle ID Verification, Liveness, BVN/NIN lookup, AML Screening, and Business Verification on a visual builder. No code. One workflow per product line.
STEP 02
Open a session
POST /v1/session/ with your workflow_id. Receive a session_url, redirect the user. Same single call across web, iOS, Android, React Native, and Flutter.
STEP 03
Verify and decide
Hosted UI captures the document, runs liveness, matches face, screens AML lists — all in parallel. Verdict returned in under 2 seconds. Risk policy auto-routes Approve, Review, or Decline.
STEP 04
Monitor and remediate
Webhooks fire on every status change. Ongoing AML hits flow into Case Management. Transaction Monitoring auto-triggers re-KYC for suspicious transfers — zero engineering work.
Every module you need
KYC, KYB, AML, and
real-time monitoring.
01 · ONBOARDING
Full KYC in under two seconds.
NIN/BVN lookup, document scan, passive liveness, face match, and device intelligence on every session. iBeta PAD Level 1 certified. ₦250 per bundled verification, 500 free monthly.
02 · COMPOSE
One workflow. Every module. One invoice.
Toggle any of 30+ modules in the Workflow Builder — BVN, NIN, CAC lookup, Liveness, AML, Proof of Address — without writing code. One API endpoint regardless of configuration.
03 · AML & SANCTIONS
800+ sanction, PEP, and adverse-media lists.
AML Screening with daily delta refresh across 12 African languages. NFIU SAR workflow and Case Management built in. CBN AML/CFT, FATF, and GIABA-aligned out of the box.
04 · RISK POLICY
Decide, review, approve — per risk, per application.
Map every risk signal — duplicate user, AML hit, device-intelligence high-risk, liveness fail, geolocation mismatch — to a configurable action without redeploying your stack.
Developer-first
Two endpoints. Same JSON.
Same price.
One call kicks off the verification flow. The webhook closes it. Identical shape whether you use the hosted UI or the headless endpoint.
# Start a verification session curl -X POST https://api.lumiid.africa/v1/session/ \ -H "x-api-key: $LUMI_API_KEY" \ -H "Content-Type: application/json" \ -d '{ "workflow_id": "wf_4cf1d8a2", "vendor_data": "user_9182", "callback": "https://yourapp.com/webhook" }' # Response { "session_id": "ses_a1b2c3d4", "session_url": "https://verify.lumiid.africa/?t=...", "status": "Not Started" }
# Webhook on session completion { "event": "session.verified", "session_id": "ses_a1b2c3d4", "vendor_data": "user_9182", "verdict": "APPROVED", "aml_clear": true, "liveness": { "status": "PASS", "score": 0.993 }, "identity": { "full_name": "Amaka Okonkwo", "doc_type": "NIN_SLIP", "country": "NG" } }
Built for African regulators
Compliance isn't an add-on.
It ships with the platform.
Every LumiID deployment is pre-configured for the regulatory environments across Nigeria, Ghana, Kenya, South Africa, and 14 more African markets.
CBN AML/CFT Framework
Pre-mapped to CBN's 2022 AML/CFT/CPF Regulations. SAR filing workflow, customer due diligence records, and enhanced due diligence for PEPs — all built in.
NDPR Data Residency
Nigerian Data Protection Regulation compliant by default. Customer biometric data processed and stored in-country. Consent management and right-to-erasure flows included.
FATF Travel Rule
Originator and beneficiary data collection for transactions above $1,000. Automated screening against FATF high-risk jurisdictions list, updated on every session.
NIMC BVN/NIN Integration
Direct API integration with NIMC and the CBN BVN validation service. Real-time biometric match against the national identity database — no third-party proxy.
Multi-market KYB
Know Your Business with CAC registry lookups (NG), Registrar General (GH), Business Registration Portal (KE). Linked KYC on all UBOs in a single API call.
Audit-ready reporting
Every session produces a tamper-evident audit record with timestamp, IP, device fingerprint, biometric match score, and risk signals. Export to PDF or structured JSON for examiners.