Overview

With the ability to authenticate a user with any bank and retrieve a validated BVN and biometric photo, Okra can connect each bank a user chooses to an application and send an electronic mandate if applicable upon successful KYC verification and validated signature.

With our Complete View technology, Okra provides a view into other bank accounts of a customer, allowing the ability to prompt them to connect all owned accounts and provide consent to access data.

This view also allows your customer to complete a debit authorisation on any bank account, allowing authorised and customer consented garnishment across all available banks.

You are not billed for responses where unconnected accounts are not found.

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Note

The complete view products only returns all accounts linked to the BVN that have been connected via Okra network

Use Cases of Complete View

Let's explore this from the lending perspective. Providing credit services comes with the risk of defaults—particularly when you have access to just one financial account of each customer, to initiate repayments. Suppose you give a loan to a customer and the allotted time for repayment draws near, you would attempt to charge the connected bank account to your application to recover the loan amount.

But imagine, the connected bank account has insufficient funds. That's problematic, right? You'd be forced to wait for the user to top-up their account before attempting to charge the customer again. But what if the user has another bank account with more than enough money needed to repay the loan?

How to add complete view the your app

To integrate,

1. Visit here and signup.
2. After verification, log in.
3. Get your secret keys

curl -X POST https://api.okra.ng/v2/products/complete-view/process
-H 'Content-Type: application/json' 
-H 'Authorization: Bearer <AccessToken>'
-d '{
        bvn: "12345678", //optional
            customer: "xxxxxxxxxxxxxxxx" //optional
    }'

const okra_client = require("okra-node")
okra_client.customerController.availableBanks(accessToken {customer_id: "insert customer ID", bvn:"123456789" }, (err, results) => {
    // Handle err
    const completeView = results.complete_view;
    });

{
    "status": "success",
    "message": "Customer Complete View Processed!",
    "data": {
        "connected": [{
                    "nubans": ["111111111", "222222222"]
                "name": "Guranty Trust Bank",
                    "_id": "5d6fe57a4099cc4b210bbeb3",
                    "slug": "guaranty-trust-bank",
                "icon": "SVG Data"
            }],
        "unconnected": [
            {
                "name": "Fidelity Bank",
                "_id": "5d6fe57a4099cc4b210bbeb0",
                "slug": "fidelity-bank",
                "icon": "SVG Data"
            }
        ]
    }
}

You can process a complete view using your customerunique Okra ID or through their bvn they have given you consent to use.