KYC stands for Know Your Customer. It is the process of verifying that the people and businesses using your platform are who they claim to be. The CBN (Central Bank of Nigeria) requires all financial platforms to perform KYC checks before allowing customers to transact above certain thresholds.The Union Bank BaaS KYC API connects to Nigeria’s official identity databases so you can verify customers in real-time without building your own integrations.What you can verify:
Verification Type
What it checks
BVN (Bank Verification Number)
Name, date of birth, phone number linked to a Nigerian bank account
NIN (National Identification Number)
Name, date of birth, photo from Nigeria’s national ID register
CAC (Corporate Affairs Commission)
Business name, registration status, directors for companies
POST /v1/kyc/ninVerify a customer’s NIN (National Identification Number) from Nigeria’s National Identity Management Commission (NIMC) database.What you send:
Field
Type
Required
Description
nin
string
Yes
11-digit National Identification Number
date_of_birth
string
Yes
Customer’s date of birth YYYY-MM-DD
What you get back:
Field
Description
verified
true if the NIN exists and DOB matches
first_name
First name
last_name
Last name
middle_name
Middle name
date_of_birth
Registered date of birth
gender
Registered gender
photo_url
Temporary URL to the passport photograph (expires in 5 minutes)
verification_id
Unique audit reference
The photo_url field is a short-lived signed URL. Download and store the image immediately if your compliance process requires it. The URL expires after 5 minutes.
GET /v1/kyc/{verification_id}Retrieve the result of a previous KYC check using its verification ID. Useful if you need to re-display a result without re-running the check (which incurs a fee).
