Nigeria KYC · CBN Tier 3 flow
NIN Card Scan
PASS
BVN Cross-reference
VERIFIED
Face Match + Liveness
PASS
EFCC + UN AML Screen
CLEAR
CBN Tier 3 Satisfied
COMPLIANT
Identity Trust Score98.4

220M

POPULATION

100M+

BVN HOLDERS

CBN

KYC COMPLIANT

EFCC

AML SCREENING

WHY IT MATTERS

Nigeria's fintech boom demands identity infrastructure that understands Nigerian documents.

Nigeria is home to Africa's largest fintech ecosystem — with over 200 licensed payment companies, 4 mobile money operators, and dozens of neobanks. Yet identity verification remains a critical bottleneck: NIN slips come in multiple formats, PVCs are frequently rejected by global providers, and BVN-linked verification requires specialist integration. The CBN's 3-tier KYC framework mandates different verification levels based on transaction value. The NFIU requires ongoing AML monitoring. DigiVerify is built from the ground up for this complexity — supporting every Nigerian identity document, screening against the EFCC watchlist, and mapping to every CBN tier requirement.

REGULATORY LANDSCAPE

The compliance framework you need to satisfy.

CBN KYC Regulations 2023

Defines 3-tier KYC: Tier 1 (phone number), Tier 2 (NIN/BVN/address), Tier 3 (full ID + facial). Sets transaction limits per tier. Mandatory for all licensed financial institutions.

Mandatory
NFIU AML/CFT Regulations

Requires screening against EFCC, NFIU, and UN watchlists. Mandates suspicious transaction reporting and ongoing customer monitoring.

AML Obligation
NCC SIM Registration Directive

Mandatory NIN-linked SIM registration for all telecom subscribers. Deadline-driven enforcement with penalties for non-compliant operators.

Telecom
SEC Nigeria Digital Assets Framework

KYC requirements for VASPs, crypto exchanges, and digital asset platforms operating in Nigeria. NIN + BVN mandatory.

Crypto/VASP

SUPPORTED DOCUMENTS

Every identity document Nigeria uses. Verified accurately.

DigiVerify trains dedicated AI models for Nigeria's exact document formats — not generic templates. The result: 99%+ extraction accuracy across every supported document type.

NIN Slip / NIN Card
National Identity Management Commission (NIMC)

EXTRACTED FIELDS

nin_numberfull_namedobgenderphonestate_of_originfingerprint_reftracking_id

Used in: Banking, Fintech, Telecom, Crypto

PVC — Permanent Voter's Card
Independent National Electoral Commission (INEC)

EXTRACTED FIELDS

vin_numberfull_namedoblgastatepolling_unitwardbarcode_decoded

Used in: Banking, Fintech, Insurance

BVN Slip
Central Bank of Nigeria (via NIBSS)

EXTRACTED FIELDS

bvn_numberfull_namedobphonebank_reference

Used in: Banking, Fintech, Lending

International Passport
Nigeria Immigration Service (NIS)

EXTRACTED FIELDS

passport_numberfull_namedobgenderexpiry_dateplace_of_issuemrz_line_1mrz_line_2mrz_valid

Used in: Banking, HR, International KYC

Driver's Licence (FRSC)
Federal Road Safety Corps

EXTRACTED FIELDS

licence_numberfull_namedobexpiry_datestate_of_issuevehicle_classesblood_group

Used in: Insurance, HR, Fintech

More documents coming for Nigeria

Request a specific document type and we'll prioritise it.

CAC Business RegistrationTIN (Tax ID)Voter's Card v2
Request a Document

INDUSTRIES ACTIVE IN NIGERIA

DigiVerify is serving these sectors in Nigeria today.

Banking & Finance

CBN Tier 2 and Tier 3 KYC — NIN + BVN + face match — for account opening and lending origination at scale.

Fintech & Neobanks

Live in hours. CBN-compliant onboarding with NIN, BVN, and PVC support. Automatic tier routing based on transaction thresholds.

Crypto & Web3

SEC Nigeria VASP-compliant KYC. NIN + BVN mandatory. EFCC and UN watchlist screening for FATF alignment.

Telecom

NCC SIM registration with NIN linkage — automated, at scale, at point of sale. NIMC verification built in.

Insurance

NAICOM-compliant policyholder verification. NIN + face match at application, BVN cross-check for high-value policies.

HR & Onboarding

NIN and passport verification for remote hiring across Nigeria. Fully digital — no in-person office visits needed.

ALSO LIVE

DigiVerify coverage extends across the region.

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Ghana
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Kenya
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NIGERIA

Start verifying Nigerian users today.

Book a demo and we'll walk through a live verification using real Nigerian documents — showing exactly what DigiVerify extracts and returns.

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Frequently asked questions

DigiPay.Guru supports verification of major Nigerian identity documents, including National Identification Number (NIN) Slip/Card, Bank Verification Number (BVN), Permanent Voter Card (PVC), International Passport, and FRSC Driver’s Licence. These documents enable secure, AI-powered identity verification for digital customer onboarding.

Yes. DigiPay.Guru supports NIN and BVN verification as part of its Nigeria eKYC solution. These trusted identity credentials help banks, fintechs, and regulated businesses verify customer identities, reduce fraud, and streamline digital onboarding workflows.

Yes. DigiPay.Guru’s Nigeria eKYC solution is designed to support Central Bank of Nigeria (CBN) KYC requirements and integrates AML screening to help organizations strengthen compliance, reduce fraud, and support customer due diligence obligations.

The platform uses AI-powered document verification to authenticate Nigerian identity documents, extract customer data using OCR, perform face verification, liveness detection, and AML screening, and automate identity verification through configurable eKYC workflows.

DigiPay.Guru’s Nigeria eKYC solution is designed for commercial banks, microfinance banks (MFBs), fintech companies, digital lenders, payment service providers (PSPs), mobile money operators, remittance companies, insurance providers, telecom operators, and other regulated businesses.

Yes. DigiPay.Guru uses AI-powered document verification, OCR validation, biometric face verification, liveness detection, and document authenticity checks to identify forged, altered, expired, or tampered Nigerian identity documents before customer onboarding is completed.

Yes. DigiPay.Guru’s configurable Workflow Engine enables organizations to automate end-to-end onboarding by combining NIN verification, BVN verification, OCR, face verification, liveness detection, address verification, and AML screening into a single verification workflow.

Yes. DigiPay.Guru offers API-first integration with core banking systems, digital banking platforms, lending systems, payment gateways, digital wallets, CRM platforms, and mobile applications, allowing organizations to implement eKYC without replacing existing infrastructure.

Most identity verification checks are completed within seconds using AI-powered automation. Document verification, OCR, face verification, liveness detection, and AML screening work together to deliver fast, secure, and compliant customer onboarding.

DigiPay.Guru helps Nigerian financial institutions automate customer onboarding, reduce identity fraud, improve verification accuracy, accelerate account opening, lower operational costs, and strengthen compliance through a unified AI-powered eKYC platform.

Yes. DigiPay.Guru integrates AML screening with Nigeria eKYC workflows by screening customers against global sanctions lists, Politically Exposed Persons (PEPs), adverse media, and other watchlists. This helps organizations meet AML obligations and reduce financial crime risks.

DigiPay.Guru provides an API-first, AI-powered eKYC platform built for Nigeria’s digital identity ecosystem. With support for NIN, BVN, PVC, International Passport, and FRSC Driver’s Licence, along with OCR, face verification, liveness detection, AML screening, and configurable workflows, the platform enables banks, fintechs, mobile money operators, and payment providers to onboard customers faster, reduce fraud, and maintain CBN-aligned compliance.

Read our insightful blogs!

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