Building the compliance layer Nigerian fintechs deserve
“We don't sell checks. We sell defensible compliance decisions.”
Nigerian fintechs face a compliance infrastructure gap
Nigeria's fintech ecosystem is growing faster than compliance infrastructure can keep up. The AML tools that exist were built for banks — large teams, slow transaction volumes, and months-long implementation timelines. They don't fit wallets, PSPs, or lenders processing millions of transactions a day with three people in compliance.
The result is that most fintechs manage compliance with spreadsheets, email chains, manual reviews, and periodic batch runs. When a regulator asks for evidence that a transaction was properly reviewed before it processed, the answer is a reconstructed narrative — not a contemporaneous record.
The CBN and NFIU have made clear that the direction of travel is toward automated, real-time, evidenced compliance. Fintegrity is that infrastructure.
“Compliance should be infrastructure, not overhead. Built into the money flow, not bolted on after.”
The compliance brain behind your money flows
Fintegrity is the decision and evidence layer that sits between your product and your payment rails. Before money moves, we evaluate the transaction — against the customer's risk state, your configured rule library, and the patterns we know are relevant to your business model. We return a decision. You act on it.
Every decision is evidenced. Every state change is immutable. Your compliance team gets structured cases, not alert floods. Your regulators get complete evidence packs on demand, not reconstructed spreadsheets.
Decisions happen synchronously, before money moves. Not after the fact. Not in the next morning's batch run.
Every decision, state change, and case action is written to an append-only store. The record cannot be altered.
Rules, thresholds, and patterns are tuned to your specific business model — not applied generically across all customers.
Clear about what Fintegrity is not
Compliance products often blur their boundaries. Fintegrity doesn't. Being clear about what we are not makes it easier to understand what we are — and what your team remains responsible for.
Four principles that shape every product decision
Precision
Vague compliance is useless compliance. Every Fintegrity decision is reasoned, every evidence record is complete, and every rule is explicit. If it can't be explained to a regulator, it shouldn't exist.
Defensibility
The test of good compliance isn't the policy document. It's whether you can defend every decision to a regulator, with evidence, on demand. We build systems that pass that test.
Partnership
We're building with a small group of Nigerian fintechs who share a specific kind of problem. Their product shapes our product. We don't build for hypothetical customers.
Transparency
No black boxes. Every rule that fires, every state that changes, and every decision that's made is visible, auditable, and attributable. That's what defensibility requires.
We're building with a small cohort of Nigerian fintechs
Fintegrity is in active development with a small group of design partners — Nigerian fintechs who are building the platform with us, not just waiting for it. Design partners get early access, direct influence over the roadmap, and regulator-ready infrastructure built around their specific compliance challenges.
Design partnerships are free. We're not building software for a fee — we're building the right product with the right partners.
Questions about Fintegrity?
We're a small team building in public with our design partners. If you have compliance infrastructure questions or want to explore a partnership, reach out.