Financial Identity Infrastructure Layer (FIIL)
The unified financial identity graph that powers every TrustQI product. FIIL consolidates identity signals from Nigeria's entire financial identity ecosystem into a single, enriched, continuously updated customer profile.
Nigeria's fragmented identity landscape — unified
Nigerian financial identity data is spread across NIMC, CBN, credit bureaus, CAC, and dozens of private databases. Most institutions spend significant resources querying each source independently — leading to inconsistent outcomes and compliance gaps.
FIIL is TrustQI's answer: a continuously updated, consent-compliant identity graph that normalises, deduplicates, and enriches data from every authoritative source into a single API response.
Six pillars of financial identity intelligence
Unified Identity Graph
FIIL consolidates identity signals from NIN, BVN, Credit Registry, NIMC, and cross-institution data into a single enriched identity profile — eliminating duplicate onboarding and inconsistent data.
- Single source of truth per customer
- Cross-institution deduplication
- Historical identity change tracking
- Relationship mapping (beneficial owners, directors)
Credit Registry Enrichment
Direct integration with the Credit Bureau of Nigeria and CRC Credit Bureau to enrich every identity with credit history, outstanding obligations, and repayment behaviour.
- CRC & FirstCentral integration
- Loan history & repayment data
- Default & delinquency flags
- Credit utilization patterns
PEP & Sanctions Screening
Screen customers against global PEP databases, UN sanctions lists, OFAC, EU Consolidated List, and Nigerian government watch lists in real-time.
- 50+ global sanctions lists
- Nigerian political exposure database
- Adverse media monitoring
- Ongoing monitoring & alerts
Identity Risk Scoring
A composite risk score combining identity verification strength, credit behaviour, AML exposure, and device signals — calibrated for Nigerian financial risk norms.
- 0-1000 identity risk score
- Score explainability & factors
- Industry-specific risk calibration
- Real-time score updates
Relationship Intelligence
Map relationships between individuals and entities — beneficial ownership, directorship networks, shared addresses, and device sharing — to detect fraud rings and shell structures.
- Beneficial ownership tracing
- Shell company detection
- Shared device/address flags
- Network visualization API
Financial History Layer
Aggregate consented financial history across institutions — account tenure, average balances, transaction patterns — to power better underwriting and customer segmentation.
- Multi-bank balance insights
- Income verification signals
- Spending pattern analysis
- Consent-based data sharing
Connected to Nigeria's authoritative identity sources
FIIL maintains direct, real-time integrations with every major Nigerian identity and financial data authority.
Built for every financial use case
Customer Onboarding
Reduce KYC onboarding from days to seconds with automated identity enrichment and tier assignment at account opening.
Credit Underwriting
Enrich loan applications with credit history, income signals, and identity risk scores from a single FIIL API call.
Ongoing Monitoring
Subscribe to identity change events — new adverse media, sanctions hits, or credit changes — in real-time for existing customers.
Build on Nigeria's richest identity graph
Access FIIL through our REST API or explore the full data model in our developer documentation.