Income & Revenue

Real-time employment verification and earning insights

Retrieve a full income profile for an individual across all banks in Nigeria.

Verify employment

Whether it's day labourer earnings, a salary, pension, or an uncle that provides monthly aid, Okra makes it easy to understand all the structured and unstructured income sources of your customer.

Reduce risk

We provide access to the necessary information needed for your business to make informed decisions. Validating a user’s personal information, spending power, demographic, collateral, or ability and willingness to pay is a breeze.

Shared liabilities

Combine Guarantors to give you extra security and shared liability before approving a disbursement or service.

Companies building with Income & Revenue

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

Authenticate account

Your customers choose their banks and verify their identities by entering their login credentials which run in the background.
03

API report

Okra will send you a report that corresponds with your API request and you will get details, such as:
  • Income
  • Identity
  • Transaction

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

Authenticate account

Your customers choose their banks and verify their identities by entering their login credentials which run in the background.
03

API report

Okra will send you a report that corresponds with your API request and you will get details, such as:
  • Income
  • Identity
  • Transaction

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 "_id": "5f80d43c74bsfde5854f64dd",
3 "customer": {
4 "_id": "5f6f80fbbfd432187edfbc42",
5 "name": "GAVIN BELSON"
6 },
7 "__v": 0,
8 "confidence": "100.0%",
9 "created_at": "2020-10-09T21:21:00.702Z",
10 "env": "production",
11 "last_updated": "2021-01-12T19:18:12.566Z",
12 "last_year_income": 551955.55,
13 "max_number_of_overlapping_income_streams": 2,
14 "number_of_income_streams": 2,
15 "projected_yearly_income": 5151447.24,
16 "record": [
17 {
18 "_id": "5fd282be7cd29619734e6a71",
19 "billable_products": [
20 "auth",
21 "balance",
22 "identity",
23 "income",
24 "periodic-transactions"
25 ],
26 "bank": {
27 "_id": "5f63f473d550180010a14bf1",
28 "colors": {
29 "accent": "#BAD306",
30 "bg": "",
31 "button": "#3C4548",
32 "primary": "#3C4548"
33 },
34 "name": "Diamond Bank",
35 "v2_icon": ".. svg data ...",
36 "v2_logo": ".. svg data ...",
37 "icon": "https://okra-images.s3.eu-west-3.amazonaws.com/Diamond+Bank+Icon.svg",
38 "logo": "https://okra-images.s3.eu-west-3.amazonaws.com/Diamond+Bank+Logo.svg"
39 },
40 "env": "production"
41 }
42 ],
43 "streams": [
44 {
45 "_id": "5ffdf5f41s291e67f63cd786",
46 "account": {
47 "_id": "5f7d90cb45de411ec0bb4780",
48 "bank": {
49 "_id": "5f0cf73e8a8bcc18b8156ad7",
50 "colors": {
51 "primary": "#401a6e",
52 "bg": "#41276D",
53 "button": "#41276D",
54 "accent": "#00D883",
55 "icon": "#41276D"
56 },
57 "icon": "https://okra-images.s3.eu-west-3.amazonaws.com/Kuda+icon.svg",
58 "logo": "https://okra-images.s3.eu-west-3.amazonaws.com/Kuda+Bank+Logo+(White).svg",
59 "name": "Kuda Bank",
60 "v2_icon": ".. svg data ...",
61 "v2_logo": ".. svg data ..."
62 }
63 },
64 "avg_monthly_income": 409287.27,
65 "days": 254,
66 "monthly_income": 409287.27,
67 "income_type": "unstructured"
68 }
69 ],
70 "id": "5f80d43c74b8fdeg854f64dd",
71 "status": "completed",
72 "banks": [
73 {
74 "_id": "5f0cf73e8a8bcc18b8156ad7",
75 "colors": {
76 "primary": "#401a6e",
77 "bg": "#41276D",
78 "button": "#41276D",
79 "accent": "#00D883",
80 "icon": "#41276D"
81 },
82 "icon": "https://okra-images.s3.eu-west-3.amazonaws.com/Kuda+icon.svg",
83 "logo": "https://okra-images.s3.eu-west-3.amazonaws.com/Kuda+Bank+Logo+(White).svg",
84 "name": "Kuda Bank",
85 "v2_icon": ".. svg data ...",
86 "v2_logo": ".. svg data ..."
87 }
88 ]
89 }

Use cases

What can you build with Okra's Income & Revenue 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 Income & Revenue API

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

Identity
Identity

Quickly authenticate customer account information in real-time.

Authentication
Authentication

Carry out immediate and real-time confirmation of your customer’s details.

Balance
Balance

Confirm the real-time account balances of your customers.

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!

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