KYC & Screening

Progressive tiers from USSD-basic to enhanced due diligence, screened against sanctions, PEP and adverse-media lists in all nine jurisdictions.

Auto-pass rate

87%

doc + liveness, straight-through

Median verification

94s

BVN/NIN tier (T1)

Screening coverage

100%

OFSI · OFAC · UN · EU lists, daily re-screen

Rejected this month

212

41 for sanctions/PEP, rest doc quality

Progressive KYC tiers

Inclusion by design: a feature-phone recipient starts at T0 and upgrades as limits require.

USSD basic

8,420 users

Phone + PIN (recipient side)

Limits: ₦50k/day cash-out

Standard

21,630 users

BVN/NIN or national ID + selfie

Limits: £500/tx (sandbox cap)

Enhanced

6,480 users

Doc + liveness + proof of address

Limits: Full corridor limits

EDD

310 users

Source of funds / wealth; senior sign-off

Limits: Case-by-case

Verified users by tier

All jurisdictions, February 2026

T0 · USSD basic

8,420

T1 · Standard

21,630

T2 · Enhanced

6,480

T3 · EDD

310

T0 exists only on the Nigerian recipient side (USSD *919#) under CBN tiered-KYC allowances; all send-side customers hold T1 or above. Every tier is re-screened daily against updated sanctions lists; a hit freezes conversion capability, never custody visibility.

Manual review queue

Cases outside straight-through processing; PEP and sanctions matches route to the MLRO

Case	Applicant	Juris	Tier	Screening	Age	Status
KYC-8812	A. Okonkwo	UK	T2	Clear	2h	Pending review
KYC-8811	M. Al-Rashid	AE	T3	PEP match	5h	Escalated
KYC-8809	S. Khan	PK	T1	Clear	9h	Docs requested
KYC-8807	J. Tan	SG	T2	Adverse media	1d	Escalated
KYC-8804	F. Abubakar	NG	T1	Clear	1d	Approved
KYC-8801	R. Müller	CH	T2	Clear	2d	Pending review