Enabling businesses to
LumiID is the identity intelligence infrastructure that helps businesses know who their users are — and how their trust evolves over time. From onboarding to every transaction, we detect risk, stop fraud, and surface real signals without slowing growth.
Trusted by companies building Nigeria's digital future
Every unverified user is a
liability on your balance sheet.
African digital businesses and economies lose an estimated USD 4 billion to USD 4.6 billion annually to fraud, cybercrime, and related compliance and operational gaps — a figure that has escalated fast as fraud incidents grow over 400%. The root cause is almost always the same: weak identity infrastructure.
Synthetic & AI-Generated Identity Fraud
Fraudsters combine real and fabricated data — and increasingly AI-generated faces and deepfakes — to create fake profiles that bypass basic checks. Once inside, they drain wallets, abuse credit, and vanish.
Conversion Drops at Onboarding
Manual KYC processes that take days lose up to 40% of applicants before they even complete sign-up. Slow verification is a direct revenue leak.
Regulatory Non-Compliance
CBN, SEC, and NDPR regulations are tightening. Businesses without automated compliance trails face sanctions, license revocations, and reputational damage.
One platform. Every identity need.
Whether you're onboarding customers, verifying businesses, or monitoring for continuous risk — LumiID handles it, so your team doesn't have to.
Onboard in seconds,
not business days.
Validate government-issued IDs and verify your customers the moment they sign up. Real data. Instant results. Zero compromise.
NIN / BVN Verification
Direct link to NIMC and NIBSS for identity anchoring on every new account.
Address Verification
GPS-anchored address validation that confirms where your customers actually live.
eKYC Workflow
Pre-built onboarding flows you can embed in your product in one afternoon.
Know who you're really doing business with.
Don't just take a company's word for it. Verify business registration, beneficial ownership, and regulatory standing directly from government registries — in real time.
CAC Business Registry
Instant verification of company status, directors, and registration documents.
TIN Validation
Confirm tax identity numbers to satisfy AML and regulatory onboarding rules for B2B transactions.
UBO Discovery
Map the ultimate beneficial owners behind corporate entities to meet AML obligations.
A photo isn't proof.
A live face is.
AI-powered liveness detection and face matching that can't be fooled by printed photos or deepfakes. Verify that the person in front of the camera is who they claim to be.
Passive Liveness Detection
Detects spoofing attempts from photos, videos, or masks — no extra steps for the user.
Face-to-ID Matching
Compares the selfie against government-issued photo records for a definitive match score.
Passive Checks
No action needed from the user — checks run in the background without friction.
KYC isn't a one-time event.
Trust shouldn't be either.
Fraud patterns evolve. LumiID continuously re-evaluates your users in the background, alerting you the moment a risk profile changes — including NIN suspensions — before damage is done.
Real-Time Risk Scoring
Every user carries a live risk score that updates based on behavior, cross-matches, and new data signals.
Anomaly Alerts
Instant webhook notifications when a user's profile changes or triggers a watchlist match.
Automated Compliance Logs
Every check, every decision, auto-logged and export-ready for regulatory audits at any time.
From sign-up to verified
in under 60 seconds.
Connect your product to LumiID
Your team connects to LumiID via REST API, pre-built SDKs, or the no-code widget — whichever fits your stack and timeline. Most teams are live within a day.
Your user submits their details
A customer enters their ID number or scans a document in your product's interface. They see your brand. We run the verification behind the scenes against primary government sources — instantly.
LumiID returns a trust verdict
In under a second, you receive a structured response with identity confidence scores, risk flags, and a clear pass/fail decision. Your system auto-approves or routes for review — no human needed.
We keep watching. Continuously.
After onboarding, LumiID doesn't disappear. Our monitoring layer watches your user base 24/7 — detecting changes, new risk signals, and anomalies the moment they emerge. Your compliance posture stays strong automatically.
Identity challenges vary by sector.
Our solutions don't.
Every vertical has unique verification needs. LumiID adapts to the compliance and fraud realities of your specific market.
Fintech & Banking
Tier-3 KYC compliance, wallet opening, loan origination, and AML screening — all without slowing down user acquisition.
Gaming & iGaming
Age verification, responsible gaming compliance, and real-money account protection — without killing your conversion funnel.
Logistics & Mobility
Verify drivers, couriers, and field agents before they move a single package or passenger. Protect your platform and your customers.
Healthcare
Verify patient identities, credentialize practitioners, and secure medical records — all within NDPR and healthcare data guidelines.
E-Commerce & Marketplaces
Vet your sellers and buyers to eliminate fake accounts, payment fraud, and trust abuse on both sides of every transaction.
HR & Workforce
Screen candidates, verify credentials, and authenticate remote workers — protect your business from costly bad hires and credential fraud.
Security your legal team
won't have to worry about.
We built LumiID from the ground up to exceed Nigerian regulatory standards — not just meet them. Your data infrastructure is protected at every layer.
NDPR Compliant
Full alignment with Nigeria's Data Protection Regulation. Every verification is lawful and auditable.
AES-256 Encryption
Bank-grade encryption at rest and in transit. No data recycling, ever.
99.9% Uptime SLA
Multi-region redundancy. If one database goes down, our failsafes activate automatically.
Audit-Ready Logs
Every decision logged with 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.
How much is identity fraud costing your business right now?
African SMEs and enterprises lose 15–20% of potential revenue to fraud, duplicate accounts, and compliance penalties. Estimate what you could recover.
Your team can go live this afternoon.
LumiID was 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
{
"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.
Integrate through the REST API, an SDK for your stack, or the no-code eKYC widget. A sandbox environment lets you test NIN, BVN, CAC, and liveness checks before going live.
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).
Your next verified customer
is waiting. Don't lose them.
Get free verifications to experience the LumiID difference. Set up in an afternoon. Scale to millions.
No credit card required · Live in under a day