Your API stack ends at the front door. We walk through it.
Digital KYC tells you a business exists on paper. A verified Operator confirms it exists on the street — the borrower’s shop, the merchant’s address, the POS agent’s actual location — with geotagged, signed evidence your credit and compliance teams can file.
BVN/NIN-anchored Operator identity · Signed Verified reports · Escrow-backed
- Quidax
- VFD
- Paystack
- Smile ID
- Dojah
- WhatsApp Business Platform
- Quidax
- VFD
- Paystack
- Smile ID
- Dojah
- WhatsApp Business Platform
- Quidax
- VFD
- Paystack
- Smile ID
- Dojah
- WhatsApp Business Platform
The problem, plainly.
Paper businesses pass digital KYC
CAC lookups and BVN matches can all check out while the “shop” is an empty room. The default you eat six months later started at onboarding.
Agent networks drift
POS agents move, share terminals and misreport locations — and location accuracy is now a regulatory expectation, not an option. Physical spot-checks are the only ground truth.
Field verification doesn’t scale in-house
Running your own field team means recruiting, dispatching, verifying and paying — a second business. Point Hannu at the address list instead.
Stop lending against unverified addresses.
The exposure you carry today
- The address on the form is a claim — every unchecked one is priced into your book.
- Ghost merchants and phantom POS agents become your losses, not the fraudster’s.
- Agency verification at ₦1,000+ per check with 24–72h turnaround (last published rate, Dec 2022).
- Nothing a regulator or auditor accepts as proof you did the work.
Independent evidence before money moves
- A verified person at the premises, with geotagged, timestamped proof.
- Same-day dispatch inside the pilot zone — at the speed of your credit pipeline.
- A signed, recomputable Verified report your compliance team files directly.
- Proof fails, you get the full refund — the incentive points our way.
Borrower & merchant field verification
Confirm the business operates at the stated address — photos, signage, activity — before credit is extended.
See the full use case →POS agent location verification
Physical confirmation of agent locations against the registered record, at network scale.
Collateral & site photography
Time-stamped, geofenced photo evidence of assets and premises.
Deep KYC field-check workflow
Multi-point verification (premises + documents + interview) as a signed workflow product — unlocks per zone as gate metrics hold.
You order it. We run it. One signed record comes back.
Send the address list
One task or a thousand — bulk CSV or API. Escrow locks per task; a failed check refunds itself.
Operators verify on the ground
KYC-verified, reputation-matched Operators visit, capture proof, and can present a one-time delegated pass at the door.
Signed evidence for the credit file
Every verification returns as a signed record — evidence for underwriting, audit and the regulator.
“Credit risk lives in the physical world. So does its verification.”