Kora Identity API
Identity & KYC · Data Validation · Banking & Fintech
Kora Identity is the multi-country identity verification feature set within the Kora API (formerly Korapay). It enables Nigerian and pan-African fintechs to verify individuals and businesses across four African countries Nigeria, Ghana, Kenya, and South Africa using a single API key shared with Kora payment services.
Kora Identity API Highlights
Kora Identity API is verified for developer integrations in Nigeria and across African markets, providing documented endpoints, sandbox testing, and developer support.
Bearer Token (Secret Key same as Kora Payments API)
Not publicly specified
Nigeria
Ghana
KenyaKora Identity API is best for:
Nigerian and pan-African fintechs, lending platforms, and neobanks using Kora for payments who also need multi-country KYC BVN/NIN for Nigeria, SSNIT/Voters Card for Ghana, National ID for Kenya through a single API.
- Per-verification pricing deducted from Kora account balance
- No public rate card contact Kora for identity service pricing
- Identity service must be activated separately in the Kora dashboard
Kora Identity API Core Features & Capabilities
Features Included
Not Supported
Required Access Documents for Kora Identity API
- Active Kora Merchant AccountRequiredKora Identity requires an active Kora account with Live Mode enabled and the Identity service separately activated from the Kora dashboard.
- CAC Registration CertificateRequiredCertificate of Incorporation or Business Name Registration for live mode activation.
- Director Government ID and BVNRequiredBVN and government-issued ID for directors standard Kora account requirement.
Different Kora Identity API use cases
- BVN-Gated Account Opening:Nigerian neobanks and fintechs can use Kora Identity BVN endpoint to gate account creation only allowing users with a valid, verifiable BVN to complete registration, meeting CBN KYC tier requirements.
- NIN Verification for Loan Applications:Nigerian digital lenders can verify applicant NIN at the point of loan application using Kora NIN endpoint confirming identity against the NIMC database before credit underwriting.
- Cross-Border KYC for Pan-African Apps:Nigerian fintechs expanding to Ghana and Kenya can use Kora Identity to run country-appropriate KYC (SSNIT in Ghana, National ID in Kenya) without integrating separate KYC providers in each market.
- Business Verification for B2B Platforms:Nigerian B2B marketplaces and procurement platforms can use Kora CAC verification endpoint to confirm a vendor's corporate registration with the Corporate Affairs Commission before onboarding them as a seller.
- Phone Verification for OTP-Based Auth:Nigerian apps can use Kora phone number verification to confirm that a phone number is valid and active in Nigeria adding a non-SMS identity layer to their user verification workflow.