AML transaction monitoring built for Nigerian fintechs
Fintegrity gives Nigerian fintechs, PSPs, microfinance banks, digital lenders, wallet providers, and remittance operators a single decision layer — real-time transaction monitoring, AML rule enforcement, alert investigation, and regulator-ready evidence, built around how money actually moves in the Nigerian market.
Generic AML tools weren't built for this market
Nigerian fintechs operate at a volume and velocity most AML tooling was never designed for — millions of Naira transactions a day, tiered KYC enforced against BVN and NIN, and compliance teams a fraction the size of the banks the tooling was originally built for.
BVN/NIN-tiered limits, enforced live
Customer tier and transaction limit are checked at the decision layer on every transaction — not just at onboarding — so a tier breach is caught before the transaction executes, not discovered afterward.
NFIU-aligned reporting thresholds
Rules are configurable to your institution's reporting obligations, including currency transaction thresholds and structuring detection across rolling windows and counterparties.
Built for Nigerian transaction volumes
Sub-100ms decisions at the throughput consumer wallets, PSPs, and digital lenders actually run at — not a batch job that catches suspicious activity days after the money has already moved.
Sized for lean compliance teams
Most Nigerian fintechs and microfinance banks run compliance with two or three people, not a department. Fintegrity automates the enforcement and evidence work so a small team can operate at scale.
Built for every model moving money in Nigeria
Rules and risk logic are shaped to the specific patterns — and specific abuse — of your business model, not applied generically.
High-volume, low-friction consumer wallets — where mule accounts and velocity abuse move fast, and manual review can't keep up.
Merchant-side risk, settlement monitoring, and portfolio-level concentration checks across thousands of sub-merchants.
The same CBN evidence bar as commercial banks, with compliance teams that may be one or two people.
Corridor risk, sanctions reach, and dual-jurisdiction compliance for money moving in and out of Nigeria.
End-to-end compliance decisioning for digital-first financial services companies scaling fast.
One API call, before every transaction executes
Integrate once through the Compliance Decision API, and every transaction gets evaluated against your configured rules, the customer's risk state, and screening results — before your rails move the money.
Transaction reaches your backend
A customer sends, receives, or withdraws — your system captures the transaction intent.
One call to Fintegrity
Your backend calls the Decision API with the transaction context. Evaluation runs in parallel: KYC tier, velocity, screening, behavioural rules.
Decision returned
CLEAR, FLAGGED, HELD_FOR_REVIEW, or BLOCKED — with the reasons and the exact action your system should take.
Alerts route to case management
FLAGGED and HELD_FOR_REVIEW decisions open a structured case in Case Management with the evaluation trail pre-attached.
Evidence written automatically
Every decision — including every CLEAR — is logged to an append-only store, ready for an examiner request at any time.
Under the hood
Real-time AML rule evaluation against every transaction, before it settles.
No-code rule authoring and simulation — compliance teams own the rules, not engineering.
Structured investigation workflows with evidence pre-assembled per case.
One authoritative risk state per customer, with audited transitions.
Immutable, examiner-ready evidence packs generated on demand.
Full API reference for integrating the Compliance Decision API.
Common questions from Nigerian fintechs
No. Fintegrity is a technology provider — compliance decisioning and evidence infrastructure — not a licensed financial institution, and not a substitute for your Money Laundering Reporting Officer or compliance team. We give your MLRO and compliance analysts the tools to enforce rules, investigate alerts, and produce evidence; the regulatory responsibility and judgment remain with your institution.
Yes — Fintegrity enforces KYC tier limits and configurable Naira transaction thresholds at the decision layer, before a transaction is authorised. Tier limits and threshold values are configured per your institution and should be verified against the current CBN circular in force at the time you configure them, since these figures are periodically updated by the regulator.
No. Fintegrity orchestrates the decision — it sits at the point a transaction is evaluated and pulls in your existing KYC verification result, screening provider's match data, and your configured rules to produce one decision. You keep your existing vendors; Fintegrity is the layer that acts on their output in real time.
Sub-100ms P99 in typical configurations, returned synchronously before your payment rail executes the transaction. The exact figure depends on which rules and external checks are configured to run inline.
Yes. Every decision, rule fired, and state change is written to an append-only evidence store, and a complete evidence pack for any customer or transaction can be generated on demand — turning what used to be a multi-day reconstruction into a query.
Fintegrity is built real-time-first — decisions happen before money moves, not in an overnight batch. If your institution currently runs batch monitoring, Fintegrity sits in front of it as a pre-authorisation layer rather than requiring you to rebuild your existing batch processes on day one.
See Fintegrity configured for the Nigerian market
We'll walk through real-time decisioning, KYC tier enforcement, and evidence generation using transaction patterns from your business model.