◆ About LumiID
Built to make Africa
impossible
to defraud.
LumiID is the identity intelligence layer that powers trust across Africa's digital economy — from the first KYC check to continuous transaction monitoring.
Founded in Nigeria · Serving African fintechs
NDPR compliant · CBN aligned infrastructure
We don't just verify documents — we engineer trust primitives.
Trust was always the missing primitive.
Africa's digital economy is growing at extraordinary speed. Fintechs are onboarding millions. Lenders are disbursing loans in minutes. But speed without certainty is fragile.
Every day, businesses lose money to synthetic identities — fake users who pass shallow KYC checks, borrow capital they never intend to repay, and disappear. The tools available were either too slow, too expensive, too foreign, or too disconnected from the regulatory reality on the ground.
"Identity couldn't just be an API ping. It had to be a continuous, intelligent layer woven into every moment of the customer journey."
We built LumiID to fill that gap. We are the identity intelligence layer that powers trust across Africa's digital economy — from the first KYC check to continuous transaction monitoring.
The digital world opened new doors.
Fraud walked right in.
Africa's digital economy is growing faster than its trust infrastructure. Identity fraud costs African businesses billions annually, yet the tools to fight it have remained expensive, slow, or inaccessible.
The Old Reality
- ✕ Manual document review taking days
- ✕ Deepfakes and synthetic identities bypassing checks
- ✕ Expensive intermediaries adding latency and cost
- ✕ Siloed compliance — onboard once, monitor never
- ✕ Identity APIs that don't understand African infrastructure
The LumiID Way
- ✓ Instant national ID & financial registry verification via sovereign rails
- ✓ Passive liveness — one selfie, proven presence
- ✓ Direct connections to national identity, banking, and corporate registries — no middlemen
- ✓ Continuous monitoring — compliance lives beyond onboarding
- ✓ Built from the ground up for African markets and regulations
Onboard with certainty. In seconds.
No PhD required. No weeks of integration. LumiID handles the hard part — confirming that real people are behind every account.
Capture & Extract
Your user submits their document — NIN, BVN, passport, or Ghana card. Our OCR engine extracts and structures the data instantly, no manual entry needed.
Verify & Match
We hit Nigeria's official registries in real time and run passive liveness detection — a single selfie confirms the person is alive, present, and matches the document photo.
Score & Monitor
Every verified identity gets a live risk profile. Our engine watches for AML flags, sanctions changes, and suspicious behavioural patterns — long after onboarding ends.
50ms
Avg. NIN Verification Time
34+
Fraud Pattern Rules in Kura
99%
Liveness Detection Accuracy
3
Core Registry Integrations
Six values that shape every line of code.
At LumiID, we don't separate product decisions from ethical ones. These values aren't posted on a wall — they're encoded in architecture choices, pricing decisions, and hiring criteria.
Trust is earned, not assumed.
Every decision we make increase trust between businesses and the people they serve. We build trust into the foundation, not as an afterthought bolted on at launch.
Secure from the first line of code.
Security is embedded into every product, process, and decision, not added as an afterthought.
Their problems are our problems.
We measure ourselves by our customers' outcomes, not our own roadmap. Every feature starts with a real conversation about what's actually slowing a team down or putting them at risk.
If it breaks, we own it.
We don't point fingers or wait for someone else to fix it. Every engineer owns their code in production, every decision-maker owns their call, and every mistake gets a name and a fix, not an excuse.
New for a reason, not for show.
We don't chase technology trends to look impressive. Every new model, integration, or architecture choice exists because it solves a real problem for a real customer — never novelty for its own sake.
Good ideas mean nothing unshipped.
We hold ourselves to a high bar on the details — code quality, response times, follow-through. Execution is where strategy actually becomes value, and we treat it with the same rigor as the big decisions.
Four product pillars.
One unified platform.
LumiID Verify
Unified API for NIN, BVN, CAC, passport, driver's licence, and Ghana card verification. Direct sovereign rails. Sub-100ms response times. Print-ready PDF slips for Tier-3 compliance.
LumiLiveness
Passive liveness detection using InsightFace and MiniFASNet. Weighted ensemble scoring. Multi-Scale Retinex preprocessing for low-light, dark-skin optimisation. No challenge prompts needed.
Kura
Real-time transaction monitoring with 34 suspicious pattern rules, Redis-backed velocity tracking, AML screening, and a full risk decision audit trail. Purpose-built for African fraud vectors.
Lyniq
Async OTP delivery with Celery-based processing, strict serializer contracts, and multi-provider failover — so one delivery failure never breaks your onboarding flow.
LumiWatch
Perpetual KYC that re-evaluates user risk profiles against changing sanctions lists, PEP records, and adverse media — so compliance doesn't expire at onboarding.
SDK Suite
React Native and web SDKs for end-to-end eKYC flows. A white-label verification widget deployable in under 10 lines. Optimised for low-bandwidth environments across the continent.
Security you can point your auditors to.
Compliance and data protection aren't add-ons at LumiID. They're the foundation every feature is built on.
-
🔒
NDPR Compliant
Full alignment with Nigeria's Data Protection Regulation. Your users' data belongs to them — we process and discard, never warehouse sensitive identity records.
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🏦
Bank-Grade Encryption
AES-256 in transit and at rest, tokenized authentication, and 24/7 real-time threat monitoring across all endpoints.
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🔗
Zero Intermediaries
Direct sovereign connections to NIMC, NIBSS, and CAC — no data passes through unknown third parties, ever.
Uptime SLA
Guaranteed service availability
API Response Latency
Sub-second verification on every call
Identities Verified
With 99.7% accuracy rate
Data Breaches
Perfect security record since launch
Builders, risk engineers
and identity obsessives.
A small, focused team, building the identity layer Africa's digital economy deserves — and we're just getting started.
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Emmanuel Nzorov
CEO
David Opera
Customer Support & Developer Relations
Theresa Atita
Finance
Emmanuel Ayodeji
UX / UI Design
Ignatius Nev
Operations
You?
We're hiring engineers, compliance specialists, and growth operators who want to shape African identity infrastructure from the ground up.
View open roles →Advisors
Seasoned operators and policy veterans who help us navigate strategy, regulation, and scale.
CO
Chiamaka Obi
Advisor, Strategy & Growth
Former fintech operator turned investor. Advises on go-to-market strategy and African expansion sequencing.
Yusuf Bello
Advisor, Regulatory & Policy
Two decades in Nigerian financial regulation. Guides LumiID's engagement with CBN, NDPC, and industry bodies.
We're early — and that's the point
Five people. One clear problem. Everything we've shipped — LumiVerify, LumiLiveness, Kura, Lyniq — was built by this team. If you want to join at the stage where decisions still matter and equity is meaningful, now is the time.
What our customers say
"LumiID reduced our onboarding friction by 60% while actually strengthening our compliance posture. It's the rare product that makes both the user and the auditor happy."
— CHIDINMA U. · HEAD OF PRODUCT, TIER-1 FINTECH
"Integration was painless. Within two weeks we had bank-grade verification live in production. Best developer experience we've had with any identity vendor, full stop."
— OBI M. · ENGINEERING LEAD, FINSERVE NIGERIA
"Zero fraud incidents since deploying LumiID. The liveness detection is genuinely cutting-edge — it catches things our previous provider completely missed."
— ADEKUNLE O. · RISK & COMPLIANCE, DIGITAL BANK
Help us build the standard for African identity.
A tightly-knit team of engineers and risk experts. If you want to solve deep infrastructure problems on a continent of 1.4 billion people, we want to talk.