KYC Verification

Verify your customers' identities using various verification methods including BVN, NIN, phone, and document verification.

Verification Types

Type	Description	Countries
bvn	Bank Verification Number	Nigeria
nin	National Identification Number	Nigeria
phone	Phone number verification	All
passport	International passport	All
drivers_license	Driver's license	All
voters_card	Voter's card	Nigeria

Submit Verification

BVN Verification

curl -X POST https://api.lanonasis.com/v1/kyc/verify \
  -H "X-API-Key: sk_live_xxx" \
  -H "Idempotency-Key: kyc_cust123_bvn" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "bvn",
    "value": "22222222222",
    "first_name": "John",
    "last_name": "Doe",
    "date_of_birth": "1990-05-15"
  }'

Response

{
  "success": true,
  "data": {
    "id": "ver_abc123",
    "type": "bvn",
    "status": "verified",
    "match": true,
    "confidence": 100,
    "data": {
      "first_name": "JOHN",
      "last_name": "DOE",
      "middle_name": "SMITH",
      "date_of_birth": "1990-05-15",
      "phone_number": "+2348012345678",
      "gender": "male",
      "nationality": "Nigerian",
      "photo_url": "https://storage.lanonasis.com/kyc/photos/abc123.jpg"
    },
    "verified_at": "2024-01-15T14:30:00Z"
  }
}

NIN Verification

curl -X POST https://api.lanonasis.com/v1/kyc/verify \
  -H "X-API-Key: sk_live_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "nin",
    "value": "12345678901",
    "first_name": "John",
    "last_name": "Doe"
  }'

Phone Verification

curl -X POST https://api.lanonasis.com/v1/kyc/verify \
  -H "X-API-Key: sk_live_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "phone",
    "value": "+2348012345678"
  }'

Phone verification returns carrier information:

{
  "success": true,
  "data": {
    "id": "ver_xyz789",
    "type": "phone",
    "status": "verified",
    "match": true,
    "data": {
      "phone_number": "+2348012345678",
      "carrier": "MTN Nigeria",
      "line_type": "mobile",
      "is_active": true,
      "is_ported": false
    }
  }
}

Verification Statuses

Status	Description
verified	Verification successful, data matches
failed	Verification failed or data doesn't match
pending	Verification in progress (async)
expired	Verification result expired

Match vs Verification

• status: "verified" means we successfully retrieved the data
• match: true means the provided details match the retrieved data

{
  "status": "verified",
  "match": false,
  "data": {
    "first_name": "JOHN",
    "last_name": "DOE"
  }
}

The above means: BVN is valid, but the name provided doesn't match.

Get Verification Status

curl https://api.lanonasis.com/v1/kyc/ver_abc123 \
  -H "X-API-Key: sk_live_xxx"

Business Verification

Verify business registration (CAC) and tax identification (TIN):

CAC Verification

curl -X POST https://api.lanonasis.com/v1/kyc/verify \
  -H "X-API-Key: sk_live_xxx" \
  -H "Content-Type: application/json" \
  -d '{
    "type": "cac",
    "value": "RC123456",
    "business_name": "Acme Corporation Ltd"
  }'

Response

{
  "success": true,
  "data": {
    "id": "ver_biz123",
    "type": "cac",
    "status": "verified",
    "match": true,
    "data": {
      "registration_number": "RC123456",
      "business_name": "ACME CORPORATION LIMITED",
      "registration_date": "2015-03-20",
      "business_status": "active",
      "business_address": "123 Business Avenue, Lagos",
      "directors": [
        {
          "name": "John Doe",
          "designation": "Director"
        }
      ]
    }
  }
}

Sandbox Testing

Use these test values in sandbox:

Type	Test Value	Result
BVN	22222222222	Success, verified
BVN	11111111111	Failed, not found
NIN	12345678901	Success, verified
Phone	+2348000000000	Success, verified

Confidence Scores

Verification results include a confidence score (0-100):

Score	Meaning
90-100	High confidence match
70-89	Good match with minor discrepancies
50-69	Partial match, review recommended
0-49	Poor match, likely different person

SDK Examples

TypeScript

import { LanOnasisClient } from '@lanonasis/sdk';

const client = new LanOnasisClient({ apiKey: 'sk_live_xxx' });

// BVN Verification
const bvnResult = await client.kyc.verify({
  type: 'bvn',
  value: '22222222222',
  first_name: 'John',
  last_name: 'Doe',
  date_of_birth: '1990-05-15'
});

if (bvnResult.data.status === 'verified' && bvnResult.data.match) {
  console.log('Customer verified!');
  console.log('Photo URL:', bvnResult.data.data.photo_url);
}

// Phone Verification
const phoneResult = await client.kyc.verify({
  type: 'phone',
  value: '+2348012345678'
});

console.log('Carrier:', phoneResult.data.data.carrier);

Python

from lanonasis import LanOnasisClient

client = LanOnasisClient(api_key='sk_live_xxx')

# BVN Verification
result = client.kyc.verify(
    type='bvn',
    value='22222222222',
    first_name='John',
    last_name='Doe',
    date_of_birth='1990-05-15'
)

if result.data.status == 'verified' and result.data.match:
    print('Customer verified!')
    print(f"Photo: {result.data.data.photo_url}")

Best Practices

1. Collect consent - Always get customer consent before verification
2. Secure storage - Don't store raw BVN/NIN values
3. Use idempotency keys - Prevent duplicate verification charges
4. Handle failures gracefully - Allow manual verification as fallback

Webhooks

Subscribe to KYC events:

• kyc.submitted - Verification submitted
• kyc.verified - Successfully verified
• kyc.failed - Verification failed

See Webhooks for details.