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Verath KYC API · sandbox open

Identity checks that keep answering when a source goes down.

NIN, vNIN and BVN checks routed across licensed identity sources. If one is slow or down, the next answers in seconds. If they all are, the check waits and finishes itself. You’re never billed for a failure.

Get sandbox access Source status
Failover in 4 seconds 72-hour retry queue Pay only for answers
NIN basic · KYC-ONBchk_7f3a…e21c
  1. RegistryNo answer, so we moved on4.0 s
  2. Licensed source BFound · record matched1.2 s
100First name
100Last name
96Date of birth
Answered in 5.2 sThe registry timeout: not billed
Why teams switch

Outages are the identity registry’s problem. Not your onboarding funnel’s.

01 · Failover4 s

Each check type has a ranked route of sources. A source that times out or errors is skipped, and a circuit breaker keeps checks away from it until it recovers.

02 · Pending, not failed72 h

When every source is down, the check is queued and retried automatically. You get a verification.completed webhook the moment it resolves.

03 · Never billed for failures₦0

Funds are held when a check starts and charged only when it completes. Timeouts, outages and checks that fail for good are released in full.

Checks

Four checks, one API, one bill.

Try every check in the sandbox now, with test identities and an outage simulator. Live checks open business by business once your wallet is funded.

NIN basic
POST /v1/kyc/nin/basic
Confirms a NIN exists and matches the name and date of birth you send.Sandbox
NIN premium
POST /v1/kyc/nin/premium
NIN basic plus photo, origin and residence for businesses approved to receive records.Sandbox
vNIN
POST /v1/kyc/vnin
Checks a virtual NIN token, so your customer never has to share their NIN.Sandbox
BVN validate
POST /v1/kyc/bvn/validate
Per-field match for a BVN against the details you have.Sandbox
Privacy by default

Match scores first. Records only when you need them.

Most onboarding decisions need a yes or no on each field, not a copy of someone’s government record. So that’s what we return by default.

  • Per-field match scores. First name, last name, date of birth and phone, each scored 0 to 100.
  • Record fields by approval. Only for businesses approved for a stated purpose, and only from sources whose contract allows it.
  • We don’t keep the number. NINs and BVNs are stored as a scrambled index, so the console can find a customer without holding their number.
  • A purpose on every check. Each request carries a purpose code and, if you have one, a consent reference.
For developers

Your first call takes a minute.

Keys, webhooks, a request log and an OpenAPI 3.1 spec all live in the KYC console. The sandbox works the same as live, and you can break it on purpose.

  • Idempotency keys on every check, so a retry never runs or bills twice.
  • Outage simulator: send X-Simulate-Outage: registry and watch the failover happen.
  • Bulk CSV in the console for backlogs of up to 50,000 rows.
Open the console Get sandbox keys
# A NIN check. Your API address and keys are in the console.
curl -X POST "$VERATH_API/v1/kyc/nin/basic" \
  -H "Authorization: Bearer $VERATH_KEY" \
  -H "Idempotency-Key: onb_7731" \
  -d '{"nin":"70000000006","first_name":"Ngozi",
       "last_name":"Lagbaja","purpose":"KYC-ONB"}'

# 200 OK
{
  "status": "completed", "found": true,
  "match": { "first_name": 100, "last_name": 100 },
  "route": [{ "source": "Registry", "outcome": "timeout" },
            { "source": "Licensed source B", "outcome": "found" }],
  "cost": { "billed": true }
}
Banks, MFBs and fintechs

Getting ready for the CBN’s AML rules?

We’ll go through your onboarding and screening against the rules and show you the gaps. Free, and no obligation.

Book a free gap assessment
For individuals

Protecting your own NIN or BVN?

Verath Identity Monitoring alerts you every time your NIN or BVN is checked, so you can say “not me” before fraud happens.

Identity Monitoring