The compliance brain behind your money flows.
One call before money moves. A decision you can prove.
- CLEAR
- FLAGGED
- HELD
- BLOCKED
Compliance in Nigeria just became non-negotiable.
Enforcement moved from “do you have a policy” to “prove every transaction was checked.”
The CBN's 2024 directive made both mandatory, with limits enforced at every transaction.
NFIU currency transaction reports for individuals and corporates, filed within 7 days. Structuring to evade them is an offence.
Regulatory direction is mandatory, automated AML/CFT monitoring — the layer Fintegrity provides.
Regulatory figures reflect current CBN / NFIU / MLPPA 2022 guidance and inform how Fintegrity is built. Not legal advice. See how this applies to your business model →
Decide. Enforce. Prove.
Three capabilities, one API.
Real-time decision API
One synchronous call before money moves returns the decision, the reasons, and the action your system should take.
One risk state per customer
KYC tiers, screening hits, and monitoring alerts converge into one authoritative, audited lifecycle.
Regulator-ready evidence
Every decision and state change is written to an append-only trail. A complete evidence pack, on demand.
See a decision happen.
Pick a transaction. Watch the decision and the evidence it leaves.
POST /v1/decide
{
"customerId": "cus_8f21a",
"amount": 500000,
"currency": "NGN",
"kycTier": "T2",
"direction": "OUTBOUND",
"eventType": "transfer"
}{
"decision": "CLEAR",
"reasons": [],
"requiredActions": ["PROCEED"],
"customerRiskState": "ACTIVE",
"caseId": null,
"evidenceRef": "3fa85f64-5717-4562-b3fc-2c963f66afa6",
"timestamp": "2026-04-02T14:31:02.000Z"
}transfer · tier T2
- velocity.rolling_24h
- tier.limit
- customer.state
No rule fired — and the CLEAR is still evidenced.
Clean transfer: CLEAR, 14 ms, evidence 3fa85f64-5717-4562-b3fc-2c963f66afa6
Compliance tuned to how you move money.
Generic AML tools treat every fintech the same. Fintegrity’s rules and risk logic are shaped to the specific patterns — and specific abuse — of your business model.
Wallets & consumer fintechs
High volume, high fraud exposure
- Mule accounts opened at scale
- Small transfer bursts under static limits
- KYC tiers collected, never enforced
We decide. Your system moves the money.
Fintegrity is the compliance decision and evidence layer — not a payment processor. When a transaction must be declined and reversed, Fintegrity says so and records why. Your rails execute it. That separation keeps you in control and keeps Fintegrity focused on one job: defensible compliance.
Become a Fintegrity design partner.
We’re working hands-on with a small group of Nigerian fintechs to shape the platform. Early access, direct influence on the roadmap, and regulator-ready infrastructure ahead of the curve.
Design partnerships are free. Limited spots.