Identity Verification
Answers for Africa

AI-Powered Identity Verification Built for Africa

LumiID is an AI-powered digital identity verification platform engineered from the ground up for African markets. We consolidate KYC, KYB, biometric checks, government database lookups, AML/PEP screening, and continuous risk monitoring into a single developer-friendly REST API and no-code dashboard.

Rather than bolting African ID coverage onto a Western platform, LumiID was built with NIN, BVN, GhanaCard, and CAC at its core — meaning better accuracy, lower latency, and genuine regulatory compliance across Nigeria and Ghana.

Built for Digital-First African Businesses

LumiID is designed for any organisation that must verify who its users or counterparties are before transacting. Primary verticals include:

• Fintech & Neobanks — Account opening, loan origination, wallet funding, and CBN KYC-tier upgrades
• Banks & MFBs — Mandatory tiered KYC and ongoing AML screening
• Digital Lenders — Borrower identity assurance and credit-fraud prevention
• E-commerce & Marketplaces — Seller onboarding and high-value transaction verification
• Telcos — Regulatory SIM registration and subscriber identity checks
• Gig Economy & HR Tech — Worker identity and background verification
• Crypto & Web3 — Travel Rule compliance and VASP customer due diligence
• Insurance & Pension — Policyholder and beneficiary identity assurance

Three Compounding Risks of Manual ID Checks

Africa's digital economy is expanding faster than legacy fraud-prevention infrastructure. Businesses relying on manual processes face three simultaneous risks:

• Regulatory fines — The CBN, EFCC, NDPC, Ghana Financial Intelligence Centre, and Bank of Ghana impose material penalties for non-compliant onboarding and inadequate AML controls.
• Identity fraud losses — Synthetic identities, account takeovers, and document forgery cost Nigerian fintechs alone billions of naira annually. Verification gaps are the primary entry point.
• Conversion drop-off — Manual review queues introduce days-long delays that push high-intent users to competitors. The cost of slow onboarding is lost revenue, not just inconvenience.

LumiID resolves all three simultaneously with sub-3-second, API-driven verification that is both compliant and conversion-optimised.

Africa-Native vs. Global-First Providers

Global providers like Onfido, Smile Identity, and Jumio offer capable platforms — but they are designed for Western markets first, with African coverage added as a secondary concern. LumiID is the reverse: every product decision is made with Nigerian and Ghanaian realities as the baseline.

In short: LumiID delivers deeper African data coverage, genuine local-law compliance, and Naira/Cedi pricing — without the FX markup or configuration overhead of global vendors.

Full-Stack Verification Suite

LumiID provides complete identity infrastructure across five pillars:

• KYC (Know Your Customer) — Document OCR and authenticity scoring, facial biometric matching, NIN / BVN / Voter ID / Driver's Licence / Passport lookups, and AI liveness detection
• KYB (Know Your Business) — CAC registration verification, director and shareholder identity checks, and beneficial ownership (UBO) mapping for Nigerian and Ghanaian entities
• Biometric Verification — 1:1 face match, passive and active liveness, 3D depth spoof-detection, and NFC chip reading for high-assurance identity binding
• AML / PEP / Sanctions Screening — Real-time screening against OFAC, EU, UN, EFCC, INTERPOL, and local watchlists at onboarding and on an ongoing basis
• Continuous Risk Monitoring — Post-onboarding event-driven re-verification, dynamic risk score updates, and instant webhook alerts on status changes

Three Parallel AI Layers → One Decision

Every verification passes through three simultaneous AI layers that converge into a single decision in under 3 seconds:

• Document Intelligence — Computer vision models trained on African ID formats (NIN slip, ECOWAS card, GhanaCard, etc.) extract fields, detect tampering, and score document authenticity.
• Biometric AI — A face-matching engine computes similarity between the live selfie and ID portrait. A liveness model simultaneously distinguishes real faces from printed photos, video replays, and AI deepfake masks.
• Data Triangulation — Extracted document data is cross-referenced in real time against the issuing government database (e.g. NIMC for NIN, NIBSS for BVN), confirming the document belongs to a living, registered individual.

Each layer generates a confidence score. Our configurable decision engine combines these into a pass / review / fail outcome that maps to your own risk threshold.

Identity Risk Does Not Stop at Onboarding

Most fraud surfaces months after onboarding — when a legitimate-looking account goes dormant, is compromised, or is used as a money-mule vehicle. Continuous risk monitoring keeps your user base clean by:

• Automatically re-screening all verified users whenever a PEP or sanctions list is updated
• Triggering event-driven re-KYC when transaction behaviour deviates from an established risk profile
• Delivering real-time webhook notifications the moment a previously clear user appears on a watchlist
• Maintaining an always-current risk score your compliance team can action without manual queuing

Verified and Converted — Not Just Verified

• Document OCR auto-fill — Users never manually type name, date of birth, or ID number; all fields are extracted automatically from the captured document.
• Single-capture liveness — One selfie completes both liveness detection and biometric face match, removing multi-step prompts that cause drop-off.
• Smart retry guidance — Failed captures return clear, localised prompts specifying exactly what to correct — lighting, distance, angle — rather than a generic error code.
• Low-bandwidth SDK — Captures are intelligently compressed for Nigerian and Ghanaian network realities without sacrificing AI accuracy.

Businesses migrating to LumiID see an average 40% reduction in onboarding drop-off versus legacy manual-review pipelines.

Compliance as a Product Feature, Not a Checkbox

LumiID is engineered to satisfy verification and data protection requirements in both countries:

• 🇳🇬 Nigeria — CBN KYC Framework (2023), Nigeria Data Protection Act (NDPA 2023), EFCC AML/CFT Regulations, NIMC Act, and SEC Nigeria digital-asset KYC guidelines
• 🇬🇭 Ghana — Bank of Ghana KYC & AML Directives, Ghana Data Protection Act (DPA), Financial Intelligence Centre Act (FICA)

Every verification produces a structured audit-ready record — timestamped captures, document hashes, decision rationale, and confidence scores — satisfying regulatory inspection requirements without additional manual documentation. Our compliance team monitors regulatory changes across both jurisdictions and pushes platform updates ahead of enforcement deadlines.

Multi-Layered Security Architecture

• Encryption in transit & at rest — TLS 1.3 for all data in motion; AES-256 for all stored data
• Data minimisation — Only what is required for the requested verification type is captured; raw biometric images are cryptographically discarded after matching unless the customer explicitly opts into retention
• Nigerian data residency — Personal data of Nigerian residents is stored on infrastructure physically located within Nigeria, satisfying NDPA cross-border transfer restrictions
• ISO 27001 & SOC 2 Type II — Information security controls are independently audited on an annual basis
• Role-based access controls — Dashboard users see only the data scopes assigned to their role; all access is logged in a tamper-evident audit trail
• Quarterly penetration testing — Infrastructure is tested by accredited third-party security firms every quarter

Direct Real-Time Government Database Access

LumiID maintains direct, real-time API integrations with authoritative government sources — responses are always live, never cached snapshots:

These integrations are maintained by our government-relations team under continuous SLA monitoring with sub-3-second P95 targets.

Three Integration Paths — Choose Your Fit

• REST API + SDKs — A fully documented, versioned JSON API with official SDKs for Python, Node.js, PHP, and Java. Complete control over the verification flow and UI. Recommended for teams who want to deeply customise the user experience.
• Drop-in Web SDK — Embed our pre-built, white-label verification widget into any web or mobile-web app with a single script tag. Handles capture, liveness, and result display automatically — no backend rewrite beyond generating a session token.
• No-Code Dashboard — Send personalised verification links via SMS or email directly from your LumiID dashboard. No engineering resource required. Ideal for ops teams handling manual onboarding, compliance reviews, or remediation queues.

The sandbox environment, full API documentation, and Postman collection are available immediately upon free sign-up — no sales call required.

Live in Under 30 Minutes

1. 1Create a free account at app.lumiid.io using your business email. No credit card required.
2. 2Complete business KYB — an automated check on your company that takes under 5 minutes.
3. 3Grab your API keys from developer settings and point them at our fully isolated sandbox environment.
4. 4Run your first test verification using the synthetic test credentials in our documentation to validate your integration end-to-end.
5. 5Go live — Switch to production keys. Your account manager will schedule a 30-minute onboarding call to walk through advanced configuration and volume pricing.

Usage-Based Pricing in Naira & Cedis

LumiID uses a usage-based model with no monthly minimums on the Starter tier — you pay per successful verification in Naira or Cedis, with no FX markup.

Full pricing on our Pricing page. Enterprise enquiries: sales@lumiid.io.