1. Tier 1 — Basic
Requirements: full legal name, date of birth, home address, verified phone number and email, country of residence. Daily transaction limit: ₦50,000. Cumulative wallet cap: ₦300,000. Suitable for airtime, data, and small bill payments.
2. Tier 2 — Verified
Additional requirements: valid government-issued ID (NIN slip, National ID, International Passport, Driver's Licence, or Permanent Voter's Card) and BVN. Daily transaction limit: ₦500,000. Cumulative wallet cap: ₦5,000,000. Unlocks virtual accounts, virtual cards, and higher-value transfers.
3. Tier 3 — Premium
Additional requirements: proof of address dated within the last three (3) months (utility bill, bank statement, or tenancy agreement) and live selfie verification. Daily transaction limit: subject to review, typically no fixed cap. Unlocks crypto services, gift-card trading at premium rates, and enhanced withdrawal limits.
4. Review turnaround
Standard KYC reviews complete within 24–72 hours. Enhanced reviews (Tier 3, PEPs, high-risk jurisdictions) may take up to 7 business days. Rejected submissions include a reason and may be resubmitted with corrected information.
5. Re-verification
We may request re-verification periodically or if we detect changes in your risk profile (new device, new country, unusual transaction pattern, expiring ID).
6. Immutability of KYC data
Personal identifiers on a verified profile (legal name, date of birth) can only be corrected through support with supporting documents. This protects you from account takeover.
This document is informational and does not constitute legal advice. In case of conflict, the version filed with regulators prevails.