What you get
Signals and controls for every point of identity use
Owner-disputed signal
A direct, real-time signal from the identity owner that a check was not theirs.
Owner-confirmed signal
Positive confirmation that the genuine owner initiated the check.
Fits your workflow
Webhooks into your fraud desk or case tool, with the reference you already use.
Lightweight integration
One signed event per lookup. No changes to how you verify customers today.
Identity lock checks
Ask “is this identity locked?” before opening an account.
Distribution partnerships
Offer Verath to your customers as a bundled protection benefit.
Who we work with
Built for the institutions that touch identity
Fintechs & digital lenders
- Know when a customer disputes an onboarding or loan check
- Hold suspicious applications before disbursement
- Show customers you take their identity seriously
Banks
- Owner-disputed signals on new account openings
- Disputes delivered to your fraud case tool with an event reference
- A future lock check at account opening
Verification providers
- Owner notification as a value-add for your clients
- Hashed events only, no client lists shared
- Dispute routing back to the client that ran the check
Credit bureaus
- Consented owner alerts on credit inquiries and new loans
- A fraud signal tied to specific inquiries
- Support for consumer protection goals
Government, identity ecosystem and cross-border partners
Verath is designed to complement consent-first initiatives in Nigeria’s identity ecosystem, such as tokenised Virtual NIN checks and BVN consent prompts, by giving citizens visibility of how their identity is used. We welcome conversations with ecosystem bodies and with partners exploring cross-border identity protection.
Architecture
How Verath fits alongside your stack
Event sources
Verification providers
NIN/BVN lookups
Credit bureaus
Credit inquiries
Banks & fintechs
Account openings, KYC
National identity rails
Long-term goal
Verath platform
- 01Signed event gateway
- 02Keyed-hash matcher
- 03Alert engine
- 04Dispute router
Identity owner
- App push
- SMS
“Not me” → dispute back to institution
FAQ
For partners
Do we have to send Verath our customer data?
No. You send a keyed hash of the identity number, computed with a key Verath issues to you, along with the institution, purpose, time and your reference. Events that don’t match an enrolled owner are dropped and not stored.
Will this slow down our onboarding?
No. Events are sent alongside your existing verification flow and do not block it. The planned lock check is designed to respond quickly and to fail open if Verath is unavailable.
How is this priced?
Our planned model is a per-check fee for the fraud signal, priced well below the cost of a single fraudulent account. Talk to us about early-partner terms.
Is Verath live?
Verath is in development and onboarding early partners. The API is in preview and may change.
Become an early Verath partner
We’re working with a small group of early partners to shape the integration and pricing. Let’s talk.