Verifyed enables banks and fintechs to complete customer onboarding through a digital KYC process in minutes, while also providing KYC upgrades for existing customers. Customers turn on two-factor authentication through easy, self-guided set-up.
Unified Financial Operating System for Banks
Verifyed
KYC & Soft Token
Strengthen user verification with facial recognition that safeguards your business against identity fraud, matching liveness-verified faces with profile images from BVN, NIN or other photo IDs in real time. Enable two-factor authentication on any account through easy, self-guided set-up. Every face decision is made on the server, never on the phone alone.
Face capture and liveness detection
Built-in validations ensure an accurate face capture. Single-image passive liveness confirms a live person, so photos, videos and other impersonation attempts fail. A random head-turn challenge runs only when needed.
Face match for real-time identity verification
Liveness-verified faces are matched on the server, in real time, with profile images from BVN, NIN or other photo IDs.
OCR for ID verification
Scanned ID cards and documents are read and checked against the record: national ID, NIN slip, voter’s card, driver’s licence or passport.
Digital address and business location
OCR checks that a scanned utility bill matches the address and is under three months old. Customers mark their home or shop on the map, and location checks over the next 48 hours validate it.
Upgrade KYC digitally
Existing customers raise their KYC level in the app, with no branch visit.
Self-assisted soft tokens for 2FA
Customers issue their own soft token for two-factor authentication in seconds.
Automate your KYC process for instant user verification. Reduce costs, improve operational efficiency and prevent fraud.
KYC levels
Customers Raise Their Own Limits
Each customer sees their level and what the next one unlocks, then climbs it alone in the app. No branch visit and no manual review queue.
L1
Verified identity
BVN or NIN, liveness, face and name match, phone OTP and a confirmed home address
An account with starter limits
L2
Second ID
The other of BVN or NIN, name matched, with no new selfie
Higher limits and a business account
L3
Full KYC
Photo ID, address proof under three months old and a 48-hour residence check
The highest personal limits and a credit card
- Each upgrade applies its limits at once and comes with a certificate for your records.
- Verifyed sets the limits for each level within regulatory KYC rules, and your bank applies them.
- On accounts held on your own core, your own KYC level applies.
Soft token
A Soft Token in Seconds, Set Up by the Customer
No branch, no call centre, no paper form. The customer proves who they are with a selfie and the token is live.
- 1
Tap Secure Token
A set-up QR appears in the banking app.
- 2
Scan the code
The Verifyed app links the token to your bank.
- 3
Take a selfie
Liveness and face match against the BVN photo confirm it is the right person.
- 4
Token live
Bound to the customer, the phone and your bank. A new code every 30 seconds, even offline.
One token covers all of a customer’s accounts, personal and business. One phone per customer per bank. Your staff can also use the same soft token on the Partner portal, if you choose.
Verifyed · Soft Token
PIN First, Soft Token Second
The soft token lives in the Verifyed app, never in the banking app. On every digital payment the PIN comes first and the Verifyed code second.
VerifyedKYC & Soft TokenFirst factor
PIN
Every digital payment starts with the customer’s PIN.
Second factor
Soft token
The customer reads the current code in the Verifyed app and enters it to confirm. Verifyed validates it and the payment completes.
On the Partner portal
KYC and Soft Tokens, Certified and on Record
Your compliance team sees exactly what Verifyed checked for each customer and each business, downloads the certificate as proof, and manages every soft token from one place.
KYC and KYB
Your customers, level by level
Each customer’s Verifyed level next to your bank’s level, with the certificate.
KYC and KYB certificates
A sealed, QR-checkable certificate for every KYC level and every verified business.
The evidence behind each check
ID, selfie, address proof, CAC records and location, each with its result.
Ready for the regulator
Evidence packs on request, mismatches flagged, and every view of every document logged.
Soft tokens and audit
Every customer’s token
Status, set-up date and the bound phone for each customer.
Today’s confirmations
How many payments customers confirmed with the soft token.
A sealed audit trail
Every level change, certificate and evidence view, each row sealed.
Resets under maker-checker and portal PIN
A token reset needs a maker and a checker, each signing with the UNIFOS portal PIN. Staff can use the soft token too, if you choose.
One engine
One Identity Engine Behind Every Moment
Verify once and re-prove when it matters. The same Verifyed engine runs customer, merchant and agent onboarding, KYC upgrades, the soft token, card activation and account recovery.
Customer onboarding
Liveness, face match with the BVN or NIN photo and the record look-up, before the account opens.
KYC upgrades
Second ID, photo ID matched to the selfie, address proof and the residence check.
Merchant onboarding
CAC registration and directors verified, and the shop or office location confirmed in the Verifyed app.
Agent onboarding
Business checks and a verified shop location before the agent offers cash services.
Soft token set-up
A fresh liveness check and face match with the BVN photo.
Transaction authentication
After the PIN, the Verifyed code confirms every digital payment.
Card activation
Instacard and the Universal card: scan, face proof against the customer’s UFID, then the PIN.
New phone or forgotten PIN
Liveness and face match again before access returns. A new phone replaces the old one.
VerifyedKYC & Soft TokenKYC levels, soft token and the evidence behind every check, for onboarding individuals
InstacardVirtual & Universal CardsCards activated with a Verifyed face check, then the PINAcceptoMerchant AcceptanceMerchants onboarded with KYB and a verified business location
FunduAgency BankingAgents onboarded with KYB and a verified shop location
Lasting Value for Banks Across Africa
Automate your KYC process with AI-powered verification for faster onboarding, lower costs and stronger fraud prevention. With the Verifyed soft token, customers secure every account with two-factor authentication, all built to scale with your operations, in your own Standalone App or inside your existing app through the Super SDK.
Enabling digital KYC for immediate onboarding, activation and usage
Explore More of Our Solutions
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Accepto · Merchant Acceptance
We give you the tools and infrastructure to onboard merchants instantly, accept dynamic QR, SoftPOS, POS, payment links and online checkout, and manage terminals from the Partner portal.
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Instacard · Virtual & Universal Cards
We equip you to issue virtual debit, credit and prepaid cards instantly, ready to pay online. Customers link any virtual card to one physical Universal card for in-store payments, and relink any time.
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Instacard DTS
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Rewa · Loyalty Management
We enable you to design, launch and manage custom loyalty programmes that reward usage, increase customer engagement and give customers real-time visibility of the points they earn.
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Frequently Asked Questions
Verifyed is the UNIFOS identity engine. It captures the customer’s face, confirms liveness, matches it to BVN, NIN or photo ID images, reads ID and address documents, verifies the home or shop location and lets existing customers upgrade their KYC. It also issues the soft token for two-factor authentication.
Launch the Future First
Launching a digital bank? Adding products to your app? Get your own mobile bank in your brand, or the UNIFOS Super SDK inside your app. Tomorrow’s banking, live today. Launch in weeks, on a revenue share.