Identity

The complete KYC/B — (know your customer or business) profile

Significantly reduce the possibility of fraud by confirming that the person using your product is the account owner.

Validate ownership

Okra allows you to retrieve a complete KYC profile for an individual or corporate entity (including directors) across all banks in Nigeria — complementing your businesses’ KYC procedures.

Determine eligibility

Whether you need to validate a user’s personal information, spending power, demography, collateral, or their ability and willingness to pay, we provide access to the vital information needed for you to make informed decisions.

Guarantor addition

Combine guarantors and identity to give you extra security and shared liability before approving a disbursement. This can be critical when your customer does not have a strong credit profile, is involved in a high-risk job, or does not meet the minimum monthly income criteria.

Companies building with Identity

How it works

01

User consent

Once your widget is launched, your customers are notified of the process you’re about to take on their behalf, after which you get their informed consent to process and authenticate their data.
02

Verify identity

You can verify your customers' identity via our selfie verification flow on the widget or the Okra dashboard with manual services on:
03

API report

Okra will send you a report that corresponds with your API request and you will get details, such as:
  • Full Name
  • Alias
  • DTI (Debt-to-income score)
  • Validated BVN
  • BVN identity photo
  • Gender
  • Date of birth
  • Email address(es)
  • Addresses
  • Phone number(s)
  • Photo ID(s)

How it works

01

User consent

Once your widget is launched, your customers are notified of the process you’re about to take on their behalf, after which you get their informed consent to process and authenticate their data.
02

Verify identity

You can verify your customers' identity via our selfie verification flow on the widget or the Okra dashboard with manual services on:
03

API report

Okra will send you a report that corresponds with your API request and you will get details, such as:
  • Full Name
  • Alias
  • DTI (Debt-to-income score)
  • Validated BVN
  • BVN identity photo
  • Gender
  • Date of birth
  • Email address(es)
  • Addresses
  • Phone number(s)
  • Photo ID(s)

Plug-and-play with one API

Using only a few lines of code, you can implement any one of our products in a matter of hours.

1{
2 "status": "success",
3 "message": "Identity retrieved succesfully",
4 "data": {
5 "pagination": {
6 "totalDocs": 120,
7 "limit": 1,
8 "hasPrevPage": false,
9 "hasNextPage": true,
10 "page": 1,
11 "totalPages": 120,
12 "pagingCounter": 1,
13 "prevPage": null,
14 "nextPage": 2
15 },
16 "identity": [
17 {
18 "_id": "5ea1812477c7700382b20edc",
19 "aliases": [
20 "GAVIN THEADORE BELSON",
21 "GAVIN BELSON",
22 ],
23 "phone": [
24 "+12329384738"
25 ],
26 "email": [
27 "gavin@hooli.com"
28 ],
29 "verified": true,
30 "next_of_kins": [],
31 "address": [
32 "123 Main St. San Francisco, Calidronia"
33 ],
34 "owner": [
35 {
36 "_id": "5d9288ea182d3d000cb7c486",
37 "name": "Okra Tech Inc.",
38 "app_name": "Okra, Inc"
39 }
40 ],
41 "record": [
42 {
43 "_id": "5fc65a0fad30601d8c67affb",
44 "status": {
45 "transactions": {
46 "last_success_at": null,
47 "last_fail_at": null
48 },
49 "process": {
50 "running": false,
51 "completed": true
52 }
53 },
54 "owner": "5d9288ea182d3d000cb7c486"
55 },
56 ...
57 ],
58 "bvn": "12345678989",
59 "firstname": "GAVIN",
60 "lastname": "BELSON",
61 "fullname": "GAVIN BELSON",
62 "customer": {
63 "_id": "5e93bad841850d3a5315f32b",
64 "name": "GAVIN BELSON"
65 },
66 "env": "production",
67 "photo_id": [
68 {
69 "_id": "5eaffd51f61c0e7bccf68c2d",
70 "url": "URL TO PHOTO"
71 }
72 ],
73 "created_at": "2020-04-23T11:51:00.286Z",
74 "last_updated": "2020-12-21T17:45:25.908Z",
75 "__v": 1,
76 "dob": '1978-09-29',
77 "gender": 'M',
78 "marital_status": 'Single',
79 "middlename": null,
80 }
81 ]
82 }
83}

Use cases

What can you build with Okra's Identity API?

Okra's API for financial solution
Okra for personal finance

Okra consolidates financial data from multiple sources and categorizes transaction data with typically 24 months of history, making it easy to use and analyze

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Okra for lending

Okra makes it faster and easier to set up bank payments through a flow designed with the user experience and security in mind. Users enter their online credentials and Okra instantly authenticates their account to enable bank-to-bank payments.

“Okra’s bank statement service extends to both individual customers as well as small and medium enterprises — which are the bedrock of the Nigerian economy. Our partnership with Okra has helped us achieve the truly digital auto loan offering for our customers”

Chetan Seth CTO at Autochek

“Working with Okra has been immensely valuable. Their continuous drive to push innovation boundaries in a complex market like Nigeria will unlock more paths for businesses like ours...”

Jubril Juma Head of Product Strategy

Other Products from Okra

Extend what you can build with Okra’s Identity API

Gather customer data to ease business processes and get paid for your products and services.

Transactions
Transactions

Get standardised and detailed account activity, historically and in real-time.

Balance
Balance

Confirm the real-time account balances of your customers.

Income
Income

Instantly authenticate your customer's account and retrieve a full income profile.

Get started — it's free

Bring your ideas to life with 100 free API calls. This applies to all Okra products so you can see what works for your project!

create account