The compliance brain behind your money flows.
One API call before money moves returns a real-time decision — backed by an immutable, regulator-ready audit trail.
decide · enforce · prove
Same clean transaction — two customers.
Compliance in Nigeria just became non-negotiable.
Enforcement has shifted from “do you have a policy” to “prove every transaction was checked.” Fintechs now have to demonstrate control — transaction by transaction.
Tighter KYC, by mandate
The CBN's 2024 directive made BVN and NIN mandatory across account tiers, with limits enforced at every transaction.
Real reporting thresholds
NFIU requires currency transaction reports at ₦5M (individuals) and ₦10M (corporates), filed within 7 days — and structuring to evade them is an offence.
Automated monitoring expected
Regulatory direction is moving toward mandatory, real-time automated AML/CFT monitoring — exactly the layer Fintegrity provides.
Regulatory figures reflect current CBN / NFIU / MLPPA 2022 guidance and inform how Fintegrity is built. See how this applies specifically to Nigerian fintechs.
Decide. Enforce. Prove.
Three capabilities, one API. Fintegrity plugs into your existing money flows and returns decisions your systems act on — and your regulators can audit.
Real-time decision API
One synchronous call before money moves returns CLEAR, FLAGGED, HELD_FOR_REVIEW, or BLOCKED — with the reasons, the rules that fired, and the exact action your system should take.
One risk state per customer
A single authoritative risk status per customer, with enforced, audited transitions. KYC tiers, screening hits, and monitoring alerts converge into one lifecycle.
Regulator-ready evidence
Every decision, state change, and alert is written to an append-only audit trail. Generate a complete evidence pack for any customer or transaction on demand.
See a decision happen.
The same four steps run on every transaction — in milliseconds, before money moves.
Compliance tuned to how you move money.
Generic AML tools treat every fintech the same. Fintegrity's rules and risk logic are shaped to the specific patterns — and specific abuse — of your business model.
High volume, high fraud exposure
Mule accounts and account-takeover at onboarding
Bursts of rapid small transfers that slip past static limits
KYC tiers collected but not enforced at the transaction
New-account velocity rule — flags bursts on freshly created accounts — classic mule onboarding
Tier-limit enforcement — blocks at the decision layer when a customer exceeds their KYC tier
Rapid in-out detection — catches funds received then swept out within minutes
We decide. Your system moves the money.
Fintegrity is the compliance decision and evidence layer — not a payment processor. When a transaction must be declined and reversed, Fintegrity says so and records why. Your rails execute it. That separation keeps you in control and keeps Fintegrity focused on one job: defensible compliance.
Become a Fintegrity design partner.
We're working hands-on with a small group of Nigerian fintechs to shape the platform. Early access, direct influence on the roadmap, and regulator-ready infrastructure ahead of the curve.
Design partnerships are free. Limited spots.