smileid

Instant AML and KYC compliance solution for Nigeria

Smile ID's identity verification solution enables businesses in Nigeria to comply with AML and KYC requirements effortlessly. With instant customer identity verification and streamlined user onboarding, companies can ensure adherence to Nigeria's KYC, AML, and data protection regulations.

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Nigeria Overview

Nigeria has evolved into one of Africa's most robust KYC/AML jurisdictions in recent years. The country is affiliated with the Financial Action Task Force (FATF) through its membership of the Intergovernmental Action Group against Money Laundering in West Africa (GIABA). Organisations looking to onboard customers in Nigeria must adhere to both local and international KYC standards.

Regulatory Overview

KYC/AML regulations

AML/KYC regulations in Nigeria are enforced by several regulators, including the following:

Central Bank of Nigeria (CBN)
Securities Exchange Commission (SEC)
Nigerian Financial Intelligence Unit (NFIU)

Nigeria's primary legislation governing KYC/AML is the Money Laundering (Prohibition) Act 2011.

Choose Smile ID as your compliance partner for AML/KYC regulations in Nigeria!

Data protection regulations

The National Information Technology Development Agency (NITDA) enforces Nigeria’s data protection laws via the Nigeria Data Protection Regulation (NDPR).

Institutions are required to obtain users’ consent before processing and transferring personal data, and users are entitled to the erasure of their personal data upon request.

Accurately authenticate and onboard users in Nigeria

We empower fast-growing businesses to stay compliant, prevent fraud, and streamline their user verification processes effortlessly. Verify Nigerian users and prevent fraud with confidence:

Nigeria - Access up to 9 ID API Authorities covering over 132M+ ID records in Nigeria.

Nigeria - Verify up to 7 ID documents, including National IDs, Resident IDs, Passports, Driver’s Licenses, and more.

Nigeria - Verify up to 5 ID numbers, including NIN, BVN, Phone number, Voter's ID number and more.

Nigeria - Utilise de-biased models with a 99.8% accuracy rate for all African skin tones.

Nigeria - Our SDKs support low bandwidth and are compatible with software versions as old as Android 5.0. This makes them thoroughly optimised for image capture.

Nigeria - Conduct global AML checks against over 1100 global sanctions, PEPs, and adverse media watchlists.

Nigeria - Benefit from enterprise-level security standards with ISO 27001, SOC 2 Type 1 & 2 certifications.

Seamlessly verify up to 7 ID documents in Nigeria

Nigerian National Identity Cards

The Nigerian National ID is a biometric card issued by the National Identity Management Commission (NIMC). It contains personal information, and a unique National Identification Number (NIN). The card serves as a proof of identity for citizens. Other examples of national IDs in Nigeria include Consular IDs, which are issued by Nigerian consulates abroad to citizens living outside Nigeria, and Diplomat IDs, which are given to Nigerian diplomats and their families.

Nigerian Passport

The Nigerian Passport is an international travel document issued by the Nigerian Immigration Service (NIS). It contains the holder’s personal information, photograph, and biometric data and enables them to travel internationally. The passport is essential for crossing international borders and proves Nigerian citizenship.

Nigerian Registration Certificate

The Nigerian Registration Certificate, often called the Certificate of Incorporation, is issued to businesses by the Corporate Affairs Commission (CAC). It signifies that a business entity is legally registered under Nigerian law and is authorised to operate.

Nigerian Resident ID

The Nigerian Resident ID is issued to foreign nationals who have been granted the right to reside in Nigeria. Residency permits and cards include personal information, a photograph, and details about the holder’s visa status and duration of stay. Examples include residency permits and residency cards.

Nigerian Travel Documents

Nigerian travel documents include Border Crossing Documents, Refugee Documents, and Visas. These documents are verified during inter-border travels for identification and verification.

Nigerian Voters ID

The Nigerian Voters ID is issued by the Independent National Electoral Commission (INEC) to eligible voters. It contains the holder’s personal information, photograph, and voter’s identification number.

Nigerian NIN Slip Verification

Smile ID provides a solution for verifying National Identification Number (NIN) slips against government databases. This allows businesses to validate the NIN without needing the physical ID, streamlining the onboarding process.

Verify Nigerian using ID documents

Verifying users with ID documents and biometric face matching is one of the most reliable ways to determine a user's true identity. Our ID document verification solution checks that an ID document is authentic, accurately transcribes the text on the document and compares a user-submitted selfie to the document image.

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Scan your document

Our image capture tools guide users to take clear photos even with older devices.

Smile for a selfie

Ensure the real user is behind the camera with a smile to test for liveness.

Get real-time results

In a few seconds, you will confirm the document is authentic and belongs to the user behind the camera.

Comprehensive Identity verification
(KYC/AML) solution in one place

Choose the best method to verify and onboard your customers efficiently.

Document Verification: Verify over 8500 documents across 220 countries globally, including Angola, with a 96% OCR accuracy.

Enhance your security with advanced authentication solutions.

Smartselfie Authentication: Protect your system with our AI-powered SmartSelfie Authentication solution, boasting a 99.8% accuracy rate for African faces. Integrate this into your multi-factor authentication system for accurate identity verification during access attempts.

Access all the tools you need to stop fraud in one place.

AML Check: Run AML checks on users against against 1100+ global and African sanctions, PEP, and adverse media lists.

Duplicate Account Prevention: Prevent duplicate account fraud with real-time scanning of previously registered faces during onboarding using our Smile Secure product.

Integration options

Seamlessly integrate our solutions via API or no-code option with your existing infrastructure to automate compliance.

Smile Links: A flexible, no-code option for creating customised user verification flows

SDKs: Available for iOS, Android, Hosted Web, Flutter, and React Native

Server-to-server libraries: Support for Ruby, Java, PHP, Python, and Node.js

REST API: Robust and flexible integration for efficient compliance automation

See what Smile ID can do in your market

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