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Verifying that a customer is who they claim to be — and that the bank account they provide is theirs — is the foundation of safe onboarding. Adhere gives you the tools to do this digitally, in seconds, without asking for paper documents.

Confirm Identity Before Onboarding

Use Nigeria’s BVN or NIN to instantly confirm a customer’s name, date of birth, and phone number against the central identity database. For Kenya, Ghana, Rwanda, and Uganda, verify against national ID and passport records.

BVN Verification

Verify an 11-digit Bank Verification Number and return the holder’s full name, phone, and date of birth.

NIN Verification

Confirm identity against Nigeria’s National Identity Number database.

Kenya National ID

Verify Kenyan customers using their national ID number.

Ghana ID Card

Verify Ghana Card, Passport, Voter ID, SSNIT, or Driver’s License numbers.

Verify the Bank Account Belongs to Them

Before disbursing funds or setting up a direct debit, confirm that the account number the customer provided is linked to their identity.

NUBAN Verification

Look up any Nigerian bank account number and return the account holder’s name — so you can confirm it matches your customer’s identity before processing any payment.

Add a Biometric Layer

For higher-risk onboarding flows, add a liveness check or face match to confirm the person presenting the ID is physically present.

Face Comparison

Compare a selfie against a reference image to confirm the same person.

Face Liveness

Detect whether the face in a submitted image is live, not a photo or video replay.

Reduce Drop-Off Without Sacrificing Compliance

Because every check returns a result in real time, your onboarding flow stays fast. Customers verify in the same session — no manual review queues, no document uploads, no back-and-forth. A typical verified onboarding flow looks like this:
1

Collect identity details

Ask the customer for their BVN, NIN, or national ID number — no document scan needed.
2

Run the KYC check

Call the relevant Adhere endpoint. The response returns verified name, date of birth, and phone number within seconds.
3

Verify their bank account

Call NUBAN verification to confirm the account number matches the verified name.
4

Optional: add biometrics

For regulated or high-value flows, add a face liveness or comparison check before approval.