The Most Complete KYC (Know Your Customer) Guide


Identity verification is vital when authenticating a user. Our identity validation helps to reduce risk and fraud. Without the ability to digitally validate an end-user’s identity in real-time, consumers may upload false credentials.


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These methods are less secure and less efficient than Okra’s automated and real-time alternative. Any user with online or mobile banking can validate ownership of their financial data, allowing you to safely unlock your services. Once a user connects, we can automatically retrieve BVN, a biometric photo, and a full KYC profile — you’ll never ask for BVN again.


Okra Identity product helps you verify users' identities by accessing the information on file with their financial institution and retrieve a full KYC profile for an individual or corporate entity across all banks in Nigeria. Using Identity, you can access a user's phone number, email address, mailing address, many more. This can be used for prefilling account information, as well as for verifying with a trusted source that information they provided about themselves is correct. Fraud reduction and complementing of Know Your Customer (KYC) compliance are common applications for Identity.

Use OkraJS to instantly authenticate your customer's account and retrieve a full identity profile in real-time:

  • Validated BVN or RC Number
  • Validated Company Registration and Tax Details (corporate entities only)
  • BVN Identity Photo
  • DTI (Debt-to-Income score)
  • Mother’s Maiden Name*
  • Full Name or Company Name
  • Alias(es)
  • Gender*
  • Date of Birth
  • Email Address(es)
  • Addresses
  • Phone number(s)
  • Photo ID(s)*

Depending on the use case of your product, you may want to retrieve a full KYC profile from their bank, verify the identity of all users, or their company info. For example, you might want to verify the identity of any user on your platform requesting a loan, or you might only validate users who you have identified as being underaged, supposing your platform requires adults.

Identity API

Before diving deep into the tutorial, it's important to note that Okra Identity API has the following endpoints;
☑️ BVN Retrieval
☑️ NUBAN Retrieval
☑️ RC/TIN KYB Retrieval
☑️ NIN Retrieval

🚀Now that you understand the Identity API, check out API Reference to test the Identity APIs in real-time.