Lending
Borrower verification for lenders
BVN boolean match on up to six details, fraud signals, face liveness and an account name check before disbursement.
The flow
What runs, in order.
Each step links to a Speedmap service with its own page, docs and test values. Rules decide what happens between steps.
- 01Confirm the phoneA one-time code ties the application to a phone the borrower holds.OTP Ownership
- 02Match the BVNBoolean match on up to six details; Speedmap never returns the record.BVN Verification
- 03Score the riskOne 0–100 score from SIM-swap recency, recent BVN changes and watchlist status.Fraud Signals
- 04Step up for higher limitsFace liveness and a match against the BVN photo before a larger loan.Face Liveness & Match
- 05Check the payout accountNUBAN name enquiry confirms the account holder before disbursement.Bank Account Verification
- 06DecideRules auto-reject mismatches; analysts work the remaining cases in the review queue.Review Queue & Rules
What changes
What the flow gives your team.
One person, one application
Repeat-subject counters and duplicate-face search flag one person applying under several names.
A compliance file per loan
Purpose code, consent mechanism, every check and every decision, stored together and exportable.
No app to install
Hosted links run in any mobile browser, so borrowers who applied by USSD can still verify.
FAQ
Lending questions.
- Can we verify without storing the BVN record?
- Yes. The boolean BVN method returns match flags only, and Speedmap stores identifiers as keyed hashes.
- How do we handle applicants without smartphones?
- Consent and OTP work over USSD and SMS; in-person verification is available through the agent network described on the About page.
Other solutions
Flows for other sectors.
Payments & payouts
CAC lookup with directors, BVN match for owners, name enquiry on every payout and bulk jobs for disbursement runs.
Marketplaces
CAC lookup for registered sellers, NIN for individuals, AML screening and a settlement account check, in one hosted link.
Mobility & logistics
Active liveness, driver’s licence capture and a NIN check on the driver’s phone, with bulk re-verification for fleet audits.
Start verifying in minutes. Go live when you’re ready.
Create your account in under a minute and explore the full dashboard. We switch your workspace live after a short compliance review.