CarbonIVS API
Banking & Fintech · BaaS · Identity & KYC · Payments · Nigeria
Carbon (OneFi Limited) is a Nigerian digital financial services company operating as Carbon Microfinance Bank, licensed and regulated by the Central Bank of Nigeria (CBN). Carbon offers two developer-facing API products: the Carbon Business API a BaaS layer for virtual accounts, payouts, and transaction management and CarbonIVS, an identity verification system that connects directly to Nigeria government identity databases including BVN, NIN, International Passport, Driver's Licence, and Voter Registration.
CarbonIVS API Highlights
CarbonIVS API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
API Key (x-carbon-key header)
Contact Carbon support for current limits
Nigeria
Ghana
KenyaCarbonIVS API is best for:
Nigerian fintechs and businesses needing a CBN-licensed BaaS partner for virtual accounts, payouts, and identity verification (BVN, NIN, Passport, Voter ID) via a regulated microfinance bank.
- Contact Carbon for pricing not publicly listed
- Free sandbox available
- CarbonIVS identity verification and Business BaaS API are enterprise-tier products requiring direct sales engagement
CarbonIVS API Core Features & Capabilities
Features Included
Not Supported
CarbonIVS API Supported Webhook Events
Webhooks supported (Webhooks). Check official documentation for endpoint setup.
Required Access Documents for CarbonIVS API
- CAC Registration CertificateRequiredCertificate of Incorporation or Business Name Registration from the Corporate Affairs Commission for Nigerian businesses.
- Director BVN and NINRequiredBank Verification Number and National Identification Number of company directors for CBN-mandated KYC.
- Valid Government IDRequiredInternational Passport, Driver's Licence, or NIN slip for all directors and UBOs.
- Business Bank AccountRequiredActive Nigerian bank account in the business name for settlement configuration.
Different CarbonIVS API use cases
- Identity Verification at Onboarding:Use CarbonIVS API to automatically verify new user BVN, NIN, and passport during signup integrating directly into your app onboarding flow to meet CBN KYC requirements without manual document review.
- Virtual Account-Based Collections:Issue dedicated static or dynamic Nigerian bank account numbers to each customer using Carbon Business API enabling seamless NGN collections for SaaS platforms, marketplaces, and savings apps.
- Payroll Disbursement:Use Carbon Business Payouts API to disburse salaries or commissions to multiple Nigerian bank accounts in real time suitable for HR platforms and gig economy apps serving Nigerian workers.
- KYC Backlog Clearance:Fintechs with a backlog of unverified users can use CarbonIVS in batch mode to verify historical BVN and NIN records against government databases and meet CBN compliance obligations.
- Lending Platform Identity Checks:Credit and BNPL platforms can integrate CarbonIVS to verify borrower identity (BVN, NIN) at application time reducing fraud and meeting CBN requirements for digital lending compliance.