AML-X API
Identity Verification & KYC · Authentication & Security
Screen sanctions & PEPs, verify BVN/NIN/CAC and file STRs for CBN/NFIU compliance
AML-X API Highlights
AML-X API is best for Nigerian fintechs, VASPs and digital lenders that need sanctions/PEP screening, transaction monitoring and NFIU goAML reporting aligned with CBN rules.
Nigeria
Ghana
KenyaAML-X by AGXII is a Nigerian AML/CFT/CPF compliance platform built around CBN and NFIU requirements. Its REST API screens customers against sanctions and politically exposed persons (PEP) lists, verifies BVN, NIN and CAC records, monitors transactions, raises alerts and records suspicious transaction reports (STRs).
The platform exports STR/CTR filings in goAML XML for submission to the NFIU. Documented endpoints include POST /api/screen/v2 (screening), POST /api/verify/bvn, /api/verify/nin and /api/verify/cac, POST /api/transactions, GET /api/alerts, POST /api/strs and GET /api/customers/{id}.
js and Java SDKs and outbound webhooks are on the roadmap. A sandbox is available for partner testing on request.
Public API documentation and self-serve keys are not available yet, so access goes through AGXII's sales team.
AML-X API Core Features & Capabilities
| Feature | Status | Description & Capabilities |
|---|---|---|
| BVN Verification | ✓ Supported | Verify customer identity, full name, date of birth, and phone number against NIBSS BVN records. |
| NIN Verification | ✓ Supported | Confirm National Identification Number details directly with the NIMC government database. |
| Business / CAC Verification | ✓ Supported | Validate Nigerian company registration status, RC numbers, and directors with the CAC database. |
| AML & Sanctions Screening | ✓ Supported | Screen individuals and entities against global PEP, OFAC, and international sanctions watchlists. |
| Sandbox / Test Environment | ✓ Supported | Dedicated testing sandbox with mock data and test credentials for staging development. |
| Facial Biometric / Liveness Detection | ✗ Not Supported | Perform AI facial matching and 3D liveness detection to prevent impersonation and identity spoofing. (Not supported by AML-X API). |
| Document Verification (Passport / ID) | ✗ Not Supported | Extract OCR data and verify authenticity of international passports, national IDs, and voter cards. (Not supported by AML-X API). |
| Driver's Licence Verification | ✗ Not Supported | Verify validity and owner details of Nigerian driver licences with the FRSC database. (Not supported by AML-X API). |
| Address Verification | ✗ Not Supported | Address Verification is currently not supported by AML-X API. |
| Bank Account Verification | ✗ Not Supported | Bank Account Verification is currently not supported by AML-X API. |
| Phone Number Verification | ✗ Not Supported | Phone Number Verification is currently not supported by AML-X API. |
| Credit History Check | ✗ Not Supported | Credit History Check is currently not supported by AML-X API. |
- Subscription plans with a 30-day free trial; prices are not published
- Contact AGXII sales (+234 907 308 8287) for a quote and sandbox access
Required Access Documents for AML-X API
- CAC RegistrationRequiredCertificate of Incorporation or Business Name registration from the Corporate Affairs Commission, required for business onboarding.
- Director / Owner IDRequiredValid government ID (NIN slip, international passport or driver's licence) for directors or beneficial owners.
- Proof of Business AddressOptionalUtility bill or tenancy document for the registered business address, if requested during KYB.
Different AML-X API use cases
- AML Screening at Onboarding:Screen every new fintech customer against sanctions and Nigerian PEP lists and verify their BVN or NIN in the same flow.
- Transaction Monitoring for a Digital Lender:Send transactions to AML-X, receive alerts on suspicious patterns and manage the investigation queue.
- NFIU Reporting Automation:Record suspicious transaction reports through the API and export them as goAML XML for NFIU filing.