New CBN rules make manual AML non-compliant.

Read the brief
Built for financial institutions

Trust infrastructure for payment institutions

One platform to establish trust before the first transaction, protect every payment in real time, and resolve every investigation — identity, fraud, AML, and case management on one shared view and audit trail. Built for financial institutions across Africa and emerging markets.

IdentityFraud & AMLTrust GraphCase Management
Payments partnerPayaza
Built forpayment institutions across Africa

One platform

Every customer, device and transaction — on one Trust Graph

Verify, Sentinel, Resolve and Assist share one identity layer, one Trust Graph, one policy engine and one audit trail. Shared signals — devices, counterparties, mule links — surface the risk that siloed tools miss.

One identity layer
One Trust Graph
One policy engine
One immutable audit trail
Entity graph Ring detectedEXAMPLE
ownsusestransactsshared IPfingerprintsame owner
User
cust_a7f2
Account
acc_09b1
Merchant
mer_zq44
Device
dev_3xk9
Counterparty
cust_b2e9
Linked
acc_77ca
shared_deviceshared_ipsame_ownerHigh riskShared IDKnown

The trust lifecycle

Establish trust. Protect it. Prove it.

One trust lifecycle across identity, fraud, AML and case resolution — one shared view, one audit trail.

01

Establish trust at onboarding

Verify identities with BVN, NIN, CAC, document checks, liveness and face match — by KYC tier.

02

Protect every interaction in real time

Sentinel scores each transaction ALLOW, REVIEW or BLOCK — fraud rings, mules and AML monitoring.

03

Investigate, resolve and report

Resolve cases on an immutable audit trail; Assist explains decisions; file NFIU/GOAML reports.

Outcomes

From capability to outcomes that matter

One platform, four products, one shared view and audit trail — turning identity, fraud, AML and case management into the outcomes risk and compliance leaders are measured on.

Establish trust before the first transaction

Verify identity with BVN, NIN, CAC, document checks and liveness — onboard clean customers from day one.

Protect every payment in real time

Sentinel scores each transaction ALLOW, REVIEW or BLOCK — blocking fraud and AML risk as it happens.

Stay audit-ready for CBN and NFIU

Generate GOAML reports on demand and retain records for the CBN-aligned 7-year window.

Resolve investigations faster

Work cases in Resolve with a full evidence trail while Assist explains every decision in plain language.

For Developers

Built for your engineers, too

Go live in minutes — one API key works across every product, with SDKs, signed webhooks and a test sandbox.

One API key, every productGo live in minutesSigned webhooks for every eventSDKs, REST APIs & a test sandbox
Quick start — REST APIv2.1
// Example — one of many platform endpoints
const res = await fetch(
'https://api.maiguard.com/v1/transactions/score',
{
method: 'POST',
headers: {
'Authorization': `Bearer ${process.env.MAIGUARD_API_KEY}`,
},
body: JSON.stringify({
userId: 'cust_abc123',
amount: 50000,
currency: 'NGN'
}),
}
);
Response · 143ms
decision: "ALLOW"
riskScore: 7

Industries

Built for banks, fintechs and payment institutions

Core-banking adapters for BankOne, Finacle, Flexcube, T24 and Mambu — with CBN, NDPR and NFIU/GOAML alignment and in-region data residency across African and emerging markets.

Digital Payments
Cards, bank transfers, USSD
Mobile Money
M-Pesa, MTN MoMo, Airtel Money
Mobile Banking
Neobanks & challenger banks
Crypto & Web3
Exchanges, DeFi, stablecoins
Buy Now Pay Later
BNPL, micro-credit, lending
Merchant Commerce
E-commerce, marketplaces, POS
In-region data residency
West, East & Southern Africa

Compliance proof

Prove every decision to your regulator

The AML and financial-crime depth your compliance team needs — screening, risk scoring, regulatory reporting, retention and an audit trail that holds up under examination.

Sanctions, PEP & adverse-media screening

ComplyAdvantage plus ingested OFAC and UN lists, auto-updated with versioned snapshots.

Customer AML risk scoring + EDD

Dynamic risk scores trigger enhanced due diligence with maker-checker clearance.

GOAML / NFIU regulatory reporting

Generate the regulatory reports your compliance obligations require, straight from the platform.

7-year, CBN-aligned retention

Plan-driven AML record retention aligned to CBN requirements for seven years.

Immutable audit log + decision replay

Every decision logged with reason codes and SHAP features, replayable from frozen snapshots.

Security & compliance

Built to be audited, not just secured.

Bank-grade infrastructure security paired with the governance evidence regulators ask for — maker-checker approvals, an immutable audit log and RBAC alongside GOAML/NFIU reporting, 7-year CBN-aligned retention and decision replay.

Immutable, tamper-evident audit trail
Every decision and privileged action recorded
End-to-end encrypted
Every API call, every stored record
NDP Act 2023 returns filed
2025 compliance audit returns acknowledged by the NDPC

AES-256 Encryption

All data encrypted at rest and in transit using military-grade encryption across every API call and stored record.

Real-time Monitoring

Continuous behavioral surveillance detects anomalous patterns the moment they emerge — before damage occurs.

Zero-trust Architecture

Every request is authenticated, scoped and logged. No implicit trust, no standing access — every session verified independently.

Secure API Design

Signed payloads, rotating API keys, IP allowlisting and strict rate limiting keep your integration surface tightly locked down.

Data Residency

Your customer data never crosses regional borders. Built to align with NDPR, POPIA and major African data protection frameworks.

Tamper-proof Audit Logs

Every decision, override and config change is immutably logged — giving you complete forensic traceability at all times.

Transaction Blocked
Risk score: 0.94 · 2ms ago
Review Flagged
Velocity anomaly · 18ms ago
Transaction Approved
ALLOW · 142ms latency

Build trust into every transaction.