Know your customer. Then keep knowing them.
Customer risk doesn't end at onboarding. MaiGuard Verify continuously builds and reassesses a risk profile for every customer—individual or business—as identity, ownership, behaviour, sanctions, PEP status, and devices change. Act on who your customer is today, not who they were at sign-up.
Built for modern risk-based customer due diligence and continuous customer risk assessment.
Trusted identity profile
entity_id: mg_4821
Confidence
0.96
Risk level
Low
3
National sources
BVN, NIN, and CAC, in one API
Real-time
Risk decisions
A customer risk score in the same call
24/7
Continuous reassessment
Re-rated the moment signals shift
Connected to authoritative sources
Identity is where trust starts. It is not where it ends.
Verification confirms who a customer is — a person, or a business and its owners. Risk assessment decides whether to trust them, and keeps deciding for the life of the relationship.
Trusted onboarding
Confirm an individual or a business against authoritative sources and open a customer you can trust from day one.
- BVN, NIN, and CAC validation
- Document authenticity checks
- Biometric face match and liveness
- A trusted customer record
Customer risk profile
Turn identity, behaviour, and screening signals into a single risk rating you can act on.
- Risk-based customer rating
- PEP, sanctions, and adverse media
- Behaviour and device signals
- An explainable risk score
Continuous reassessment
Risk never stands still. The profile re-rates itself as the customer's signals change.
- Event-driven reassessment
- Continuous screening
- Automatic EDD triggers
- Ongoing, perpetual KYC
From a single input to a trusted customer
Run a non-doc check with a BVN, confirm the person with a quick liveness selfie, and open a customer whose risk you monitor from that moment on.
Non-doc verification
FastestOutput
EXAMPLE- Full name
- Adaeze Okafor
- Date of birth
- 1994-03-08
- Gender
- Female
- BVN status
- Active
- Country
- 🇳🇬 Nigeria
- Selfie
- Match
- Match score
- 0.98
Look straight into the camera
Hold still while we confirm liveness
Customer risk doesn't end at onboarding
Identity is t=0 — for an individual or a business. From there, every transaction, ownership change, screening hit, and device change updates the customer's risk, and Verify reassesses continuously for the life of the relationship.
Establish
Trust begins
Identity Verificationt=0
BVN, NIN, CAC, documents, and biometrics confirm who the customer is.
Customer Profile Created
A trusted customer record is opened and owned.
Risk Profile Generated
An initial risk rating from identity and declared context.
Risk-based CDD
Live relationship
Risk moves
Transactions
The customer starts acting. Every action is new evidence.
Behaviour Changes
Drift from the customer's own baseline is detected.
Sanctions Update
Continuous screening surfaces a new list match.
PEP Update
A change in political exposure surfaces on the customer.
Ownership Change
New directors or beneficial owners re-open KYB on a business.
Device Change
A new device or geography shifts session risk.
Reassess
Act on today's risk
Risk Score Updated
The profile re-rates automatically on every material event.
Event-drivenEnhanced Due Diligence Triggered
A threshold breach routes the customer into EDD — automatically.
EDDContinuous Monitoring
The relationship stays under ongoing assessment for its lifetime.
Loops back to Transactions — assessment never closes
Identity is only the beginning
Identity verification is one signal of many. Each feeds one continuously-updated customer risk profile — the profile is the product, not any single check.
Identity & business signals
BVN, NIN, documents, and biometrics for individuals; CAC, directors, and beneficial owners for businesses.
Behaviour signals
How the customer transacts over time, and any drift from their own baseline.
Screening signals
Continuous PEP, sanctions, and adverse-media screening — not a one-time list check.
Device & session signals
Device fingerprint and session risk. A new device is a change in customer risk.
Dynamic risk profile
One risk score per customer that moves with the evidence — visible and explainable.
Event-driven reassessment
Risk is recomputed on material events, not a periodic-review calendar.
Automatic EDD triggers
Threshold breaches route customers into enhanced due diligence without manual watch.
Trusted customer record
One attributable history of who the customer is and how their risk evolved.
Depth where customer risk hides
Where the risk is hardest to see: who really owns a business, whether a document and the person are genuine, and whether a customer's exposure has changed since you onboarded them.
Resolve a business to its real owners
Validate the CAC registration, then map directors and beneficial owners into one resolved structure, so you always know who actually stands behind the entity — and re-check it as ownership changes.
- CAC registration validation
- Directors and beneficial owners
- Cross-entity linking
- Duplicate resolution
Catch forged documents and impersonation
Inspect IDs and certificates for tampering and forgery, then match a live face to the document with liveness detection to shut down impersonation at the source.
- Tamper and forgery checks
- MRZ and field validation
- Biometric face matching
- Liveness detection
Screen PEP, sanctions & adverse media — continuously
Identify higher-risk customers at onboarding and keep them under continuous screening, so a new sanctions hit, PEP change, or adverse-media match re-rates the customer's risk automatically.
- PEP and politically-exposed screening
- Global sanctions and watchlists
- Adverse and negative media
- Real-time, ongoing rescreening
entity_id: mg_5108 · real-time
Sanctions
OFAC · EU · UN
PEP lists
Politically exposed
Adverse media
Negative news
Watchlists
Global coverage
Built for regulated payment institutions
Wherever a customer relationship carries financial-crime risk, Verify keeps that risk current — for the whole institution, not just onboarding.
Risk-rate every customer, continuously
Maintain a live, defensible risk rating for every customer and reassess the moment their signals change.
Onboard at scale without losing sight of risk
Verify identity in seconds and keep every wallet under continuous assessment as behaviour evolves.
Know the merchants and agents behind the flow
Resolve businesses to their real owners and monitor the entities that move value across your rails.
Lend to customers you can keep trusting
Validate borrowers up front, then watch for the risk changes that turn a good customer into a bad loan.
A customer-risk API you can ship today
Verify is API-first: predictable JSON, real-time responses, and webhooks that tell you the moment a customer's risk changes.
RESTful APIs
Clean, predictable endpoints with consistent JSON in and out.
Real-time responses
Synchronous verification with a customer risk score in the same call.
SDKs
First-class libraries so you write less integration glue.
Risk-change webhooks
Get notified the moment a customer's risk profile is re-rated.
Sandbox
Build and test against realistic fixtures before going live.
Request
POST /verify/identity
{
"bvn": "2210xxxxxx1",
"nin": "7058xxxxxx4",
"face_image": "<base64_jpeg>",
}Response
{
"identity_status": "verified",
"risk_level": "low",
"risk_score": 18,
"monitoring": "continuous",
}Continuous risk assessment is the foundation of trust
The customer risk profile Verify maintains is the same trusted view Sentinel scores against and Resolve investigates from. Establish trust once, keep it current, and the whole MaiGuard platform acts on it — the operational controls a modern risk-based AML program expects, in one place.
one verified identity → four systems
Supports risk-based AML programs
Operationalize the customer due diligence, risk rating, and ongoing monitoring expected under CBN AML/CFT guidance.
One customer, one resolved view
The same risk profile powers real-time monitoring, investigation, and case management across the platform.
A continuous trust lifecycle
Trust is maintained over time — assessed continuously, not stamped once at onboarding and forgotten.
Questions, answered
The essentials on how MaiGuard Verify assesses customer risk. For anything deeper, the documentation goes further.
One platform · one resolved view of trust