Digital Wallet Provider — Case Study | Fintegrity — Fintegrity Technologies Limited

A Consumer Digital Wallet Provider

A fast-growing wallet product was onboarding tens of thousands of new users a month, but its compliance stack was a set of disconnected scripts stitched together by engineering as needed. There was no consistent tiering between BVN-verified and unverified users, and the team could not produce a clean audit trail when NFIU requested transaction history for a specific case.

Fintegrity replaced the ad hoc scripts with a single compliance decisioning API called at the point of transaction. Customer tiers based on CDD level (BVN-verified, NIN-only, unverified) were encoded directly into the rule engine, so wallet limits and monitoring sensitivity adjust automatically as a customer's verification status changes.

Every decision — CLEAR, FLAGGED, HELD_FOR_REVIEW, or BLOCKED — is written to an append-only evidence store with a server-side timestamp, the rule version that produced it, and the inputs considered. When a regulatory request for a specific customer's history came in, the compliance team retrieved a complete, exportable record in minutes rather than reconstructing it from application logs.

Because the decision layer sits in front of the transaction rather than behind it, high-risk transactions from unverified accounts are held for review before funds move, not flagged for cleanup afterward.