Real-time AML transaction monitoring for Nigerian fintechs
Fintegrity evaluates every transaction before money moves — matching it against configurable rules, CBN-aligned patterns, and the customer's live risk profile. When something warrants attention, a structured case opens automatically, with evidence already assembled.
From transaction to decision in milliseconds
Monitoring is synchronous and pre-authorisation. Your payment handler calls Fintegrity before executing. We return a decision. You act on it.
Transaction received
Your system calls Fintegrity before executing any debit or credit — at the pre-authorisation point, before money moves.
Customer state checked
We immediately check the customer's current risk state: ACTIVE, UNDER_REVIEW, or BLOCKED. A BLOCKED customer gets a hard stop before any rules run.
Rule library evaluated
The transaction is matched against your full configured rule set — velocity, amounts, timing, counterparty, and channel rules all fire in parallel.
Pattern analysis runs
Fintegrity looks at the transaction in context: against the customer's profile, their history, and broader cross-customer patterns where applicable.
Decision and alert issued
The result is CLEAR, FLAGGED, HELD_FOR_REVIEW, or BLOCKED — with the rules that fired, the required action for your system, and the customer risk state after this transaction.
Evidence written
Every decision is written to the append-only audit trail. If a FLAGGED or HELD_FOR_REVIEW result or alert fires, a structured case opens automatically in Case Management with the evidence pre-assembled.
Eight monitoring capabilities, configurable to your model
Every rule is configurable to your transaction volumes, customer segments, and regulatory exposure. Out of the box, Fintegrity ships with CBN and NFIU-aligned default thresholds that you tune rather than build from scratch.
Rolling-window velocity rules
Configure per-customer, per-account, or per-counterparty transaction counts and amounts across 5-minute, 1-hour, 24-hour, and 7-day windows.
Amount and KYC tier enforcement
Hard-block transactions that exceed a customer's verified KYC tier limits. Configurable absolute and percentage-of-average thresholds.
Structuring detection
Identifies sequences of just-below-threshold transactions to the same counterparty within configurable time windows — a classic layering pattern.
New-account risk window
Applies elevated monitoring to recently created accounts for a configurable period. Flags the new-account velocity pattern characteristic of mule onboarding.
Rapid in-out detection
Detects funds received and swept out within minutes — even across multiple hops — a core indicator of layering and mule activity.
Counterparty concentration
Flags unusual concentration of transactions to a single counterparty relative to a customer's profile, and monitors known-risky counterparty relationships.
Profile-relative anomaly
Measures each transaction against the customer's 90-day behavioural baseline — flagging amounts, frequencies, or counterparties that are unusual for that specific customer.
Corridor and channel risk
Elevated scrutiny for high-risk corridors, channels, and transaction types configured to your specific business model and regulatory exposure.
Every alert is a case, not a queue item
Most monitoring tools dump alerts into a queue and leave analysts to gather evidence manually. Fintegrity does the assembly work automatically.
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Pre-assembled evidence
Transaction data, customer profile, risk state, and triggering rule — all in the case when it opens.
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Automatic case creation
Every monitoring alert that clears the threshold creates a structured case in Case Management. No manual ticket raising.
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Alert context preserved
The exact state at alert time — customer risk state, transaction data, rule version — is frozen in the evidence pack.
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Analyst-ready from day one
Your compliance team opens a case to a structured investigation workflow, not a raw data dump.
Velocity threshold exceeded in 24h window
Evidence assembled, analyst assigned
Analyst reviews timeline and profile
Cleared, escalated, or SAR filed
Sits in-line with your existing payment rails
Fintegrity is not a payment processor. It's the compliance layer that sits between your product and your rails. You keep full control of money movement — we decide whether each transaction should proceed, hold, or stop.
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One API call
POST /v1/decide before any debit or credit executes. Synchronous response in under 50ms P99.
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Works with any rails
Mono, Flutterwave, Paystack, NIBSS, in-house ledgers — Fintegrity sits above the rails, not inside them.
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No changes to your UX
The monitoring logic is invisible to your customers. Decisions happen at the infrastructure layer.
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Connects to Case Management
Alerts automatically create cases. Your compliance team works in Fintegrity's investigation interface.
Every monitoring alert creates a structured case with evidence pre-assembled. See how compliance teams use it.
The real-time decision engine that transaction monitoring feeds into. One call, one authoritative decision.
Every monitoring event and decision is written to the append-only evidence store, ready for regulators.
See Fintegrity monitor transactions in your business
We'll walk you through a live configuration tuned to your transaction volumes, customer segments, and regulatory exposure.