The compliance infrastructure for financial institutions

Detect fraud, automate AML monitoring, and streamline compliance reporting from a single platform. Built for banks, fintechs, and payment service providers.

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CBN AML/CFT

Directive Compliant

Who We Serve

Built for financial institutions managing compliance at scale, without enterprise pricing.

Microfinance Banks

Scaling compliance without Tier-1 budgets

Digital Banks

Automated compliance from day one

Fintechs

Meet CBN requirements without slowing growth

Payment Service Providers

Real-time monitoring for high-volume payments

SACCOs & Credit Unions

Compliance infrastructure at scale

Compliance is now mandatory. Most teams are not ready.

CBN Circular, March 2026

Mandatory

"All licensed institutions must deploy automated AML systems." BSD/DIR/PUB/LAB/019/002. Deposit money banks have 18 months. Implementation roadmaps due June 2026.

CBN Fines, 2024

₦15B

Total fines levied by CBN across 29 banks for AML and counter-terrorism violations in 2024. Non-compliance carries regulatory, financial, and reputational consequences.

Manual Reviews

Failing

Legacy systems cannot scale with transaction volumes or meet regulatory reporting deadlines.

Enterprise Tools

$200K+

Oracle FCCM and similar platforms are priced for Tier-1 banks. Not built for Nigerian fintechs.

One platform. Three core systems.

Each engine does one job precisely. Together they cover the full CBN AML/CFT requirement stack.

Engine 01

Fraud Detection

Real-time transaction scoring designed for Nigerian transaction patterns, with ML explainability on every decision.

XGBoost + Isolation Forest models
Sub-200ms scoring latency
Mule network detection
False positive rate below 3%
SHAP explainability on every alert

Engine 02

AML Compliance

Automated AML workflows from transaction monitoring through to Suspicious Transaction Report generation.

Structuring detection
PEP & sanctions screening (OpenSanctions)
CDD / EDD risk profiling
Automated STR generation
Threshold-based alert rules

Engine 03

Regulatory Reporting

Generates, formats, and tracks all required regulatory reports for NFIU and goAML submission.

STR / CTR / SAR in PDF and JSON
goAML XML format
5-year audit trail and retention
Submission status tracking
NFIU-compliant report formats

Covers all 10 CBN AML/CFT baseline requirements

Transaction Monitoring
Customer Due Diligence
Suspicious Activity Reporting
Sanctions Screening
Audit Trails
Risk Profiling
Threshold Monitoring
Regulatory Filing
Data Retention (5 years)
Explainability

View full compliance mapping →

Built for Nigerian financial institutions

1

Built by an AML practitioner ML engineer with direct fraud and AML detection experience inside Nigerian banking and payments infrastructure, not a generic fintech tool.
2

The only integrated FRAML platform Fraud detection, AML compliance, and NFIU reporting in a single Nigerian-built system. No stitching together three vendors.
3

Deploys in 2–4 weeks REST API integration. No system replacement required. Not a 6-to-18-month enterprise implementation.
4

Priced for fintechs Accessible to Nigerian fintechs and mid-tier banks, the institutions the CBN mandate actually affects most.

<200ms

Fraud scoring latency

2–4

Weeks to deploy

CBN requirements covered

5yr

Audit trail retention

Built for compliance-first institutions

Security, auditability, and regulatory alignment from the ground up.

Secure Cloud Infrastructure

Enterprise-grade security with full data isolation

Role-Based Access Controls

Granular permissions for multi-team workflows

Immutable Audit Trails

5-year retention for regulatory examination

End-to-End Encryption

Customer data encrypted in transit and at rest

Compliance-First Architecture

Built to meet CBN baseline standards

SOC 2 Commitment

Pursuing certification for financial institutions

Early Adopter Program

We are partnering with selected financial institutions to modernize fraud and AML operations through guided pilots and implementation support. Get priority access, dedicated support, and help shape the product roadmap.

Apply for the pilot program