Know exactly who
you're doing business with — before it costs you.
With LumiID's comprehensive suite of verification, fraud prevention, and monitoring tools, businesses can verify customers faster, prevent fraud before it becomes a loss, and keep a complete compliance record without the operational headache.
Trusted by companies building Africa's digital future
Every unverified user is a
liability on your balance sheet.
African digital businesses lose an estimated USD 4 billion to USD 4.6 billion a year to fraud, cybercrime, and the compliance gaps that come with weak identity checks — and fraud incidents have grown over 400% in recent years. The root cause is almost always the same: nobody really knows who signed up.
Fake and AI-generated identities
Fraudsters mix real and fabricated details — increasingly with AI-generated faces — to build profiles that sail past basic checks. Once they're in, they drain wallets and abuse credit, then disappear.
Sign-ups that never finish
Manual KYC that takes days loses up to 40% of applicants before they ever finish signing up. Every hour of delay is revenue walking away.
Falling behind on compliance
CBN, SEC, and NDPR rules keep tightening. Without an automatic paper trail, businesses risk sanctions, license reviews, and damage to their reputation.
One Platform. One API. Powerful Capabilities.
LumiID brings KYC, KYB, AML, and fraud checks together in one seamless platform—helping you stay compliant, reduce risk, and onboard customers with confidence.
Verify
Confirms who a person or a business really is, checked directly against NIMC, NIBSS and CAC.
Biometrics
Confirms the person behind the selfie is real, present, and not a replay or a mask — running quietly inside Verify's flow.
Risk Scoring
Scores every session for fraud signals across device, behaviour and account patterns, before money moves
Monitoring
Keeps watching every transaction, catching a fraudulent activity before it causes a loss.
Fewer fraud cases is the headline.
The rest shows up on the P&L.
Here's what teams typically see in the months after switching to LumiID.
Manual review queues disappear. Customers finish signing up in one sitting instead of waiting on a human.
The longer verification takes, the more customers you risk losing. Faster verification keeps onboarding moving.
Continuous monitoring flags risky accounts early—before they turn into costly losses.
Every check is logged automatically, giving your compliance team a complete audit trail they can access and export when regulators request it.
Everyone on your team feels this differently.
Identity infrastructure impacts every team involved in customer onboarding. Here’s what changes for each of them.
Growth doesn't get throttled by manual review queues, and a fraud incident doesn't become the story investors remember you for.
Regulatory requests stop being a fire drill. Every decision is logged, timestamped, and ready to export the moment it's asked for.
Risky accounts get flagged while they're still small problems — weeks before they'd otherwise show up as a loss on a report.
One integration replaces a quarter of custom KYC plumbing — and it's your team's afternoon, not your roadmap's next two sprints.
Your first 90 days with LumiID.
Live
Integrated and verifying real customers, without a backlog ticket.
Faster onboarding
Manual review queues are gone. Sign-up completion starts climbing.
Risk drops
Continuous monitoring starts catching accounts your old process would have missed.
Audit-ready
A full quarter of logged, exportable decisions — ready before a regulator ever asks.
One platform. Every identity need.
Whether you're onboarding customers, verifying businesses, or watching for risk over time — LumiID handles it, so your team doesn't have to build it.
Onboard in seconds,
not business days.
Validate government-issued IDs the moment a customer signs up. Real data, checked against the source, with nothing for your team to do by hand.
NIN / BVN verification
Checked directly against NIMC and NIBSS, so every new account is anchored to a real identity.
Address verification
GPS-anchored checks that confirm where a customer actually lives.
Ready-made onboarding flow
A pre-built verification screen your team can drop into your product in an afternoon.
Know who you're really doing business with.
Don't take a company's word for it. Confirm registration, beneficial ownership, and regulatory standing straight from government registries, in real time.
CAC business registry
Instant confirmation of company status, directors, and registration documents.
TIN validation
Confirm tax identity numbers to satisfy AML and onboarding rules for B2B transactions.
Beneficial owner discovery
Map the people who actually own a company, to meet your AML obligations.
A photo isn't proof.
A live face is.
Liveness detection and face matching that can't be fooled by a printed photo or a deepfake — confirming the person in front of the camera is who they claim to be.
Passive liveness detection
Catches spoofing attempts from photos, videos, or masks, without asking the user to do anything extra.
Face-to-ID matching
Compares the selfie against the government photo on record for a clear match score.
No friction for the user
Checks run quietly in the background — nothing for your customer to do differently.
KYC isn't a one-time event.
Trust shouldn't be either.
Fraud patterns change. LumiID keeps re-checking your users in the background and tells you the moment something changes — including a suspended NIN — before it turns into a loss.
Real-time risk scoring
Every user carries a live risk score that updates as new signals come in.
Instant alerts
A notification the moment a profile changes or trips a watchlist match — not at month-end review.
Audit trail, automatically
Every check and decision logged and ready to export whenever a regulator asks.
Verify customers faster, with a
streamlined onboarding experience.
Connect your product to LumiID
Your team connects via the REST API, a pre-built SDK, or the no-code widget — whichever fits your stack and timeline. Most teams are live within a day.
Your customer submits their details
They enter an ID number or scan a document, right inside your product, under your brand. We run the check behind the scenes against the primary government source — instantly.
LumiID returns a clear verdict
In under a second, you get a confidence score, any risk flags, and a plain pass or fail decision. Your system approves automatically, or routes the edge cases for review.
We keep watching, quietly
After onboarding, LumiID doesn't disappear. We keep watching your user base around the clock for new risk signals, so your compliance posture stays strong without extra effort from your team.
Fraud doesn't look the same in every sector.
Our approach adapts to it.
Every industry has its own fraud patterns and compliance rules. LumiID is built to fit the specific realities of your market.
Fintech & banking
Tier-3 KYC, wallet opening, loan origination, and AML screening — without slowing down customer acquisition.
Gaming & iGaming
Age verification, responsible gaming rules, and real-money account protection, without hurting your conversion funnel.
Logistics & mobility
Verify drivers, couriers, and field agents before they move a single package or passenger.
Healthcare
Verify patient identities, credential practitioners, and secure medical records within NDPR and healthcare data guidelines.
E-commerce & marketplaces
Vet sellers and buyers to cut down on fake accounts, payment fraud, and trust abuse on both sides of a transaction.
HR & workforce
Screen candidates, verify credentials, and authenticate remote workers — protect your business from bad hires and credential fraud.
Security your legal team
won't have to worry about.
We built LumiID to sit comfortably above Nigerian regulatory expectations rather than scrape past them. Your data is protected at every layer.
NDPR compliant
Full alignment with Nigeria's Data Protection Regulation. Every verification is lawful and auditable.
Bank-grade encryption
Encryption at rest and in transit, with no data recycling, ever.
99.9% uptime SLA
Multi-region redundancy, so a single outage never takes verification down with it.
Audit-ready logs
Every decision logged with a timestamp, method, and outcome. Export for regulators in one click.
Stop patching. Start building on solid ground.
Trusted by teams who can't afford to get it wrong.
"We cut our onboarding time from 3 days to under 30 seconds. Our activation rate improved by 38% in the first month alone. LumiID paid for itself in week two."
"The continuous monitoring feature caught three high-risk accounts that our initial KYC missed. That alone prevented what could have been a ₦40M fraud event for us."
"Our regulator asked for our KYC audit logs during an examination. I sent a complete, formatted export in 10 minutes. That kind of readiness used to take us weeks."
Illustrative customer quotes — swap in verified testimonials as they come in.
What is identity fraud costing your business right now?
African SMEs and enterprises lose an estimated 15–20% of potential revenue to fraud, duplicate accounts, and compliance penalties. See what you could recover.
Your team can go live this afternoon.
LumiID is built to reduce time-to-value, not add to your backlog. Connect via REST API, drop in an SDK, or launch the no-code widget — whichever works for your team.
// Request
{
"verification_type": "kyc_full",
"id_type": "NIN",
"id_number": "12345678901",
"biometric": {
"selfie": "base64_image_data",
"liveness_check": true
}
}
// Response — arrives in well under a second
{
"status": "verified",
"confidence_score": 97.4,
"liveness_passed": true,
"risk_flags": [],
"audit_id": "lmi_a9f3b2c1d8e4"
}Common questions, answered.
LumiID connects directly to NIMC and NIBSS, so NIN and BVN checks are validated against the primary government source rather than a cached copy — typically returning a result in under two seconds.
Most teams integrate in about a day using the REST API, an SDK, or the no-code eKYC widget. A sandbox environment lets you test everything before switching real users over.
Yes. LumiID uses passive liveness detection and 1:1 face matching to confirm the person completing verification is physically present, without added steps for the user.
Yes. LumiID's KYB tools verify CAC registration, confirm directors against NIN records, and help map ultimate beneficial owners for AML obligations.
Both. LumiID verifies at onboarding and then continuously monitors accounts afterward, flagging risk changes such as watchlist matches or NIN suspensions as they happen.
Yes. LumiID uses end-to-end encryption and token-based authentication, and handles personal data in line with Nigeria's Data Protection Regulation (NDPR).
Streamline onboarding with LumiID and reduce customer drop-offs.
Get free verifications to see the LumiID difference. Set up in an afternoon. Scale to millions.