Open accounts digitally, verify identity with BVN and NIN, and upgrade customers automatically. For businesses, collect and approve documents in one place.
Slow, manual KYC loses customers before their first transaction. Finlake KYC & Account Tiers turns onboarding into a guided digital journey. Customers sign up straight into a restricted Tier 0 account, complete verification at their own pace, and are upgraded automatically the moment checks pass. Businesses follow a document journey driven by their business type, with every step tracked and visible to your team.
Customers open an account on their phone without visiting a branch.
Restrictions apply and lift automatically as verification progresses.
Clear status, clear reasons and the ability to resume later keep customers moving.
15 features in 2 groups. Read the bold line for the summary, or the rest for the detail.
New customers sign up and receive an account straight away.
The account starts at Tier 0 with Post No Debit applied at the moment it is created, so the customer has a real account number, issued at the end of sign-up, while your institution stays protected until identity is verified.
Every time a Tier 0 customer signs in, a tag shows their tier.
A plain-language notice explains that debits are blocked and why, and a single tap takes them to the Tier 1 screen. Customers are never left guessing why they cannot send money.
A dedicated screen shows exactly what Tier 1 needs: BVN, NIN, or both, depending on how your bank has configured it.
It shows the status of each item and what is still outstanding, so customers always know their next step.
Customers enter their BVN and NIN with length and format checks that catch typing errors before submission.
Once submitted for verification, the fields lock, and they stay locked once verified. This protects the integrity of the data you rely on.
While checks run, customers see a clear under-verification state.
If a check fails, they see the reason, the failed field is unlocked for re-entry, and the account stays at Tier 0 on PND. A failure becomes a quick correction rather than a support call.
Customers can leave and come back.
Their progress is saved, so they resume where they stopped instead of starting over. For customers who need to find a document or wait for a number, this alone can save the application.
Once every required item has verified, Finlake moves the account to Tier 1 automatically.
Tier 1 limits are applied, the Post No Debit restriction is removed, the tag and notice disappear, and the customer is notified. No manual review queue and no waiting for someone to lift a block.
Businesses can see the profile your bank holds for them, so they can confirm their details are right before anything else is requested.
Accurate records at the start prevent rework later.
A tag appears on every login until the business is fully verified, taking the user straight to the upload screen.
It keeps verification visible without relying on emails that get missed.
When a business account is on Post No Debit, the portal states that debits are blocked and what will lift the restriction.
The notice applies to the business currently selected, which matters for users who manage more than one.
The documents a business must provide depend on its business type, as recorded at KYC.
The screen separates mandatory from optional documents, shows each document's status (not uploaded, under review, approved or rejected) and keeps a running count of what is outstanding.
Documents are checked for format and size on upload, then move to under review and are recorded against the selected business.
While a document is under review, or once approved, upload is locked, with no replace or delete option. That protects your audit trail.
When your team rejects a document, the business sees the reason against it and the upload action is re-enabled.
The document returns to under review once replaced, and the rejected copy is retained rather than overwritten, so you keep the full history.
Businesses enter their registered and operating address, then upload proof of address against it.
These follow the same upload rules and count toward the outstanding documents, so address checks sit inside the same journey as everything else.
The business receives an email when each document is approved and another when the account is fully verified.
Once every mandatory document is approved, Post No Debit is released automatically, so the business can start transacting without a manual step from your team.
Tell us what you want to launch. We will show you the Finlake modules and APIs that get you there.
