Compliance intelligence for African fintechs
Technical guides, regulatory breakdowns, and product thinking from the Fintegrity team. Written for compliance engineers and fintech founders building in Nigeria.
CBN AML/CFT Baseline Standards: A Technical Breakdown for Nigerian Fintechs
The CBN's AML/CFT Baseline Standards define 12 requirements every regulated fintech must meet. Here's what each standard actually requires — and how compliance technology addresses it.
CBN AML/CFT Baseline Standards: A Technical Breakdown for Nigerian Fintechs
CLEAR, FLAGGED, HELD_FOR_REVIEW, BLOCKED: The Architecture of a Defensible Compliance Decision
Binary pass/fail compliance checks fail at scale and under regulatory scrutiny. Here's why four decision states — with a customer risk lifecycle — is the right model, and how to build it.
Read article →Why Batch AML Monitoring Fails at Nigerian Fintech Scale
Reviewing transactions after they've processed isn't compliance — it's archaeology. Here's the case for pre-authorisation AML monitoring and what it means for your compliance architecture.
Read article →A Practical Guide to AML Transaction Monitoring for Nigerian Fintechs
What transaction monitoring actually involves for a Nigerian fintech — from rule types to alert workflows to the evidence a regulator expects — laid out practically, not theoretically.
Read article →Transaction-Monitoring Rules Every Digital Wallet Should Consider
Mule accounts, rapid in-out, structuring, velocity gaming — the specific abuse patterns digital wallets face, and the rule types that actually catch them.
Read article →Transaction Screening vs Transaction Monitoring: What's the Difference?
Two terms that get used interchangeably and shouldn't be. What each one actually does, where they overlap, and why you need both, not one or the other.
Read article →How Nigerian PSPs Can Reduce AML False Positives
Alert fatigue is a compliance risk, not just an efficiency problem. Practical rule-tuning approaches PSPs can use to cut false positives without loosening real controls.
Read article →Building a Regulator-Ready Audit Trail for Payment Decisions
What actually makes an audit trail defensible to an examiner — and why most transaction logs fall short of it. A technical breakdown of evidence architecture.
Read article →AML Case Management: From Alert Creation to Final Disposition
What happens to an alert between the moment it fires and the moment a case is closed — and where most case-management workflows lose the evidence trail along the way.
Read article →How to Monitor Cross-Border Remittance Transactions
Corridor risk, dual-jurisdiction exposure, and sanctions reach — the specific monitoring challenges of cross-border remittance, and how to structure rules around them.
Read article →Build vs Buy: Should Your Fintech Build Its Own Transaction-Monitoring Engine?
The honest tradeoffs — engineering time, ongoing rule maintenance, evidence architecture, and opportunity cost — before you commit to building AML infrastructure in-house.
Read article →How Real-Time Transaction Decisioning Works
What actually happens in the milliseconds between a transaction request and a CLEAR/FLAGGED/HELD_FOR_REVIEW/BLOCKED decision — a technical walkthrough of the decision pipeline.
Read article →A Compliance Checklist for Launching a Digital Wallet in Nigeria
The compliance infrastructure decisions to make before launch, not after — KYC tiering, monitoring, screening, case management, and evidence, in the order they actually matter.
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