Digital onboarding that
satisfies regulators.
NFC chip reading for the highest identity assurance. BVN and NIN validated directly against government sources. Continuous AML monitoring. Built for CBN, NDPR, and FATF requirements from day one.
Accounts opened today
8,341
↑ 22.3% vs yesterday
Avg. onboarding time
28s
↓ 6s vs last week
EDD triggered
47
↑ 8 vs yesterday
Synthetic IDs blocked
23
↑ 5 vs last week avg
<30s
end-to-end digital account opening for Tier 1–3 customers
18+
government databases validated directly — no third-party proxies
800+
AML, PEP, and sanctions lists screened per session
99.97%
platform uptime SLA with SOC 2 Type II and ISO 27001 certifications
Identity solutions for banking
Enterprise-grade identity
infrastructure for African banks.
DIGITAL ACCOUNT OPENING
CBN-tiered KYC from Tier 1 to Tier 3.
BVN/NIN lookup, document scan, passive liveness, and face match in a single session. Configurable per CBN tier requirements — Tier 1 BVN-only through Tier 3 full CDD — with reusable KYC tokens for returning customers.
NFC CHIP READING
Cryptographic assurance for high-value accounts.
Read e-Passport and international eID chips to extract cryptographically signed identity data. Unforgeable by design — eliminates document fraud at the root for Tier 3 accounts, corporate onboarding, and EDD workflows.
DATABASE VALIDATION
Cross-reference identity against government sources directly.
Real-time validation against NIMC NIN database, CBN BVN service, CAC business registry, and 18+ African government sources. Catches synthetic identities and stolen documents that pass document-only checks.
AML & CONTINUOUS MONITORING
Screen at onboarding. Monitor forever.
AML screening at account opening against 800+ global lists. Ongoing monitoring alerts your compliance team when existing customers appear on new watchlists, PEP databases, or adverse media — without re-running full KYC.
DUPLICATE ACCOUNT DETECTION
1:N face search across your entire customer base.
Face Search 1:N compares every new applicant's biometric against your full enrolled customer database in real time. Detects duplicate accounts, synthetic identities, and fraud rings before they open a single account.
AUDIT TRAILS & REPORTING
Complete, immutable records for every CBN examination.
Every verification decision is logged with a tamper-evident audit trail — document images, biometric scores, database match results, AML hits, IP and device data, and timestamp. Export on demand as PDF or structured JSON for examiners.
How it works
From application to verified
account in four steps.
STEP 01
Configure your CDD workflow
Set separate workflows per CBN tier — Tier 1 BVN-only through Tier 3 full CDD with NFC and EDD. Toggle database validation, 1:N face search, and AML monitoring per product type in the visual Workflow Builder. No code.
STEP 02
Open a session
POST /v1/session/ with your workflow_id and account application reference. Receive a session_url, redirect the applicant. Identical call whether you're integrating a web portal, mobile banking app, or USSD fallback.
STEP 03
Verify and decide
Hosted UI captures the document, runs NFC read if applicable, validates against government databases, performs passive liveness and face match, and screens AML — in parallel. Risk policy auto-routes Approve, EDD, or Decline in under 2 seconds.
STEP 04
Monitor continuously
Webhook fires on every status change. Ongoing AML hits stream into Case Management the moment a customer appears on a new watchlist. SAR filing workflow integrated — no separate system for your compliance team.
Built for your role
Built for banking compliance
and digital teams.
Regulatory adherence & audit readiness
Central bank examinations · AML accountability · CDD obligations
The challenge
CBN's revised KYC framework and NFIU AML/CFT guidelines demand full audit trails, tiered CDD documentation, and EDD for PEPs. Personal liability for AML failures is real. Legacy systems produce incomplete records that don't survive examinations.
How LumiID helps
ISO 27001 · SOC 2 Type II. Direct government database validation (NIMC, CBN BVN, 18+ sources). Immutable audit trail per session. Configurable CDD/EDD workflows per CBN tier. SAR filing and ongoing AML monitoring built in.
Account opening conversion
Mobile-first onboarding · drop-off reduction · product velocity
The challenge
Customers expect sub-minute account opening on their phones. Branch-based verification doesn't scale with digital growth. Drop-off during KYC directly kills acquisition targets, and legacy KYC vendors add weeks to integration cycles.
How LumiID helps
Under-30-second onboarding for Tier 1 and Tier 2 accounts. Passive liveness — no awkward head-turn instructions. Mobile-first hosted UI works on low-end Android devices. 60-second sandbox. White-label branded experience. SDK for iOS, Android, React Native, and Flutter.
Core banking integration & reliability
Legacy system integration · uptime · security posture
The challenge
KYC infrastructure must integrate with Finacle, T24, or Flexcube without disrupting core banking. Need 99.97%+ uptime for mission-critical account opening. On-premise or private cloud deployment required by information security policy.
How LumiID helps
RESTful API with webhooks and SDKs for every platform. On-premise deployment with full data sovereignty — no biometric data leaves your environment. 99.97% uptime SLA. Documented migration paths from existing vendors. Instant sandbox with no sales cycle.
Synthetic ID & deepfake detection
Account takeover · fraud rings · deepfake liveness attacks
The challenge
Deepfakes now bypass basic liveness checks. Synthetic identities combining real BVNs with fabricated documents pass traditional document-only verification. Fraud rings open clusters of accounts before detection. Manual review queues are growing faster than headcount.
How LumiID helps
200+ fraud signals checked during the front ID scan — before the back scan even loads. 1:N face search detects duplicates across your entire database at onboarding. NFC chip verification eliminates document fraud entirely. Our in-house AI team ships countermeasures to new attack vectors within hours.
Why LumiID
Built for Africa. Not adapted for it.
Legacy global KYC vendors weren't designed for BVN/NIN, CAC lookups, NIMC direct validation, or NFIU compliance. LumiID is.
| Feature | LumiID | Legacy Global KYC | Local Aggregators |
|---|---|---|---|
| BVN/NIN direct government validation | ✓ | ✗ | Partial |
| NFC chip reading (e-Passport / eID) | ✓ | ✓ | ✗ |
| Passive liveness (iBeta PAD Level 1) | ✓ | ✓ | ✗ |
| 1:N face search for duplicate detection | ✓ | ✓ | ✗ |
| CAC KYB + linked KYC on UBOs | ✓ | Partial | Partial |
| NFIU AML/CFT alignment | ✓ | ✗ | Partial |
| CBN tier-based KYC workflows | ✓ | ✗ | Partial |
| On-premise / private cloud deployment | ✓ | Enterprise only | ✗ |
| In-country data residency (NDPR) | ✓ | ✗ | Partial |
| Public API + instant sandbox | ✓ | Sales-gated | Sales-gated |
| No annual contract or minimum commit | ✓ | ✗ | Varies |
| SAR filing + case management built in | ✓ | Add-on | ✗ |
Developer-first
Two endpoints. Same JSON.
Same price.
One call opens the onboarding session. The webhook delivers the CDD decision. Identical shape across all six verification modules — no endpoint proliferation.
# Full CDD — Tier 3 account opening curl -X POST https://api.lumiid.com/v1/session/ \ -H "x-api-key: $LUMI_API_KEY" \ -d '{ "workflow_id": "wf_banking_tier3", "vendor_data": "app_ACC-0029183", "callback": "https://yourbank.ng/webhook", "modules": [ "ID_VERIFICATION", "NFC_CHIP", "BVN_VALIDATION", "LIVENESS", "AML_SCREENING" ] }' # Response { "session_id": "ses_7ae3c1f9", "session_url": "https://verify.lumiid.com/?t=...", "status": "Not Started" }
# CDD result webhook { "event": "session.verified", "session_id": "ses_7ae3c1f9", "vendor_data": "app_ACC-0029183", "verdict": "APPROVED", "cdd_tier": "TIER_3", "nfc": { "chip_auth": "PASS", "clone": false }, "bvn_match": { "passed": true, "confidence": 99.1 }, "aml_clear": true, "fraud_signals": [], "audit_ref": "aud_k9m2p4" }
Compliance by design
Meet every banking regulation
with confidence.
Every LumiID banking deployment is pre-configured for CBN, NFIU, and NDPR requirements — plus the regulatory environments of 17 additional African banking markets.
CBN KYC/CDD Framework
Pre-mapped to CBN's revised KYC regulations and tiered CDD requirements. Tier 1 BVN-only through Tier 3 full documentation — configurable per account type without code changes.
NFIU AML/CFT Compliance
Aligned to NFIU's AML/CFT/CPF Regulations. Suspicious Activity Report workflow, customer due diligence records, and EDD for PEPs and high-risk customers built into the platform.
NDPR Data Residency
Customer biometric data processed and stored in-country. Consent management, right-to-erasure, and data portability aligned to Nigeria Data Protection Regulation and the NDPC Act 2023.
NIMC & CBN Direct Integration
Real-time biometric validation against NIMC NIN database and CBN BVN service — no third-party proxy. Direct access means faster responses, no intermediary data handling risk, and higher assurance for Tier 3 compliance.
On-Premise Deployment
Deploy LumiID's full verification stack within your own data centre or private cloud. No biometric data ever leaves your environment — meeting the CBN's guidelines on data residency and information security for systemically important banks.
Examiner-Ready Audit Trails
Every session produces an immutable audit record with document images, biometric match scores, database validation results, AML screening detail, device fingerprint, and decision timestamp. Export to PDF or JSON for CBN examiners on demand.
Banking FAQ