Question 1

What does Trulioo do?

Accepted Answer

Trulioo is a global identity and business verification platform that provides access to over 13,000 data sources across 195+ countries to verify identities, authenticate documents, and screen for AML risks. Founded in 2011 in Vancouver, Canada, Trulioo has built one of the world's largest identity data networks, capable of verifying approximately 5 billion consumers and 330 million business entities globally. The platform serves regulated financial institutions, fintech companies, crypto exchanges, and digital marketplaces that operate across multiple jurisdictions.

## What the API Does

Trulioo's platform combines multiple verification methods accessible through a single API: database identity checks (cross-referencing submitted data against authoritative third-party data sources), document verification (AI-powered analysis of government-issued IDs), biometric face matching, and business entity verification (KYB). The platform's defining strength is its breadth of data source integrations — rather than relying solely on document OCR, Trulioo can validate identity data against credit bureaus, government databases, utility records, telecoms data, and other authoritative sources in each country.

For Nigeria specifically, Trulioo covers the country within its 195+ country network, enabling identity verification for Nigerian users as part of multi-country verification flows.

## How Developers Use It

The Trulioo Platform API is accessed via REST endpoints. Developers can directly call individual verification services (e.g., document verification, database check) or combine multiple services in a single API call using Trulioo's Flow Builder. The Flow Builder provides a no-code interface where teams can design multi-step verification journeys, configure conditional logic, and publish flows as authenticated API endpoints — meaning each configured flow gets its own API endpoint that can be called from your backend.

Webhooks deliver real-time verification event updates to your configured callback URL, enabling asynchronous processing of verification results without polling. Key events include verification completion, status changes, and manual review escalations.

## Pricing & Fees

Trulioo operates on a B2B SaaS subscription model. Entry-level pricing begins at approximately $99/month, with transaction-based fees applied per verification check. Enterprise plans with custom pricing, volume discounts, and SLA guarantees are available. Trulioo does not publish a public rate card — pricing varies significantly based on the countries targeted, data sources accessed, and verification types used. Contact Trulioo sales for a quote tailored to your use case.

## Authentication

Trulioo uses API key authentication. Flows configured in the Flow Builder can be published as authenticated, restricting access to the Trulioo Platform API using your API key as a Bearer token in the Authorization header. Webhook delivery can be configured with signature verification to confirm payload authenticity.

## Rate Limits

Rate limits are not publicly documented. Enterprise plans include throughput commitments negotiated based on expected verification volume. Contact Trulioo for specific limits.

## Compliance & Regulations

Trulioo is ISO 27001 certified, SOC 2 Type II attested, and GDPR compliant. The platform supports FATF global KYC recommendations, FinCEN guidelines, FINTRAC (Canada), FCA (UK), and applicable AML/CFT regulations across the jurisdictions it operates in. For Nigerian deployments, Trulioo's identity verification capabilities align with CBN Customer Due Diligence regulations and EFCC AML obligations. AML screening covers OFAC, UN, EU, UK Treasury, and global PEP watchlists.

## Challenges & Gotchas for Nigerian Developers

1. **Enterprise-only model**: No self-serve signup is available. Budget 2–4 weeks for enterprise onboarding and contract negotiation.
2. **Pricing complexity**: Different data sources in different countries have different per-check costs. Verify Nigeria-specific pricing during the sales process.
3. **USD billing**: Trulioo invoices in USD. Nigerian developers need a USD-capable payment method.
4. **Data source depth by country**: Trulioo's database check depth varies by country depending on available data source partnerships. Confirm the depth of Nigerian data source coverage for your specific use case.
5. **No native BVN query**: Trulioo does not directly integrate with NIBSS BVN data — supplement with a dedicated Nigerian BVN API if BVN verification is required.

## Company Background

Trulioo was founded in 2011 by Stephen Ufford and Tanis Jorge. The company has raised over $475 million in total funding, including a $394 million Series D in 2021, making it one of the most well-funded identity verification companies globally. In 2022, Steve Craig became CEO. Trulioo is headquartered in Vancouver, Canada with offices in Dublin, Austin, and London. The company's GlobalGateway product is particularly known for its breadth of global data source access.

## Frequently Asked Questions

**Q: Is Nigeria covered by Trulioo?**
A: Yes. Nigeria is included in Trulioo's 195+ country coverage. Identity data can be verified through document checks and database lookups using available Nigerian data sources.

**Q: Can a Nigerian startup use Trulioo without an enterprise contract?**
A: No. Trulioo requires an enterprise agreement before granting API access. There is no self-serve or starter plan.

**Q: How does Trulioo differ from Onfido or Sumsub?**
A: Trulioo's differentiator is its depth of database identity verification across 13,000+ data sources — going beyond document OCR to cross-reference against credit bureaus, telcos, and government databases. This is especially valuable for users without high-quality document images.

**Q: Does Trulioo support business verification (KYB)?**
A: Yes. Trulioo can verify 330 million+ business entities globally, making it well-suited for B2B platforms that need to verify corporate customers.

Question 2

How much does Trulioo cost?

Accepted Answer

Trulioo is a paid API. B2B SaaS subscription starting ~$99/month plus transaction-based fees. Custom enterprise pricing. Contact Trulioo sales for exact rates.

Question 3

How do I authenticate with the Trulioo API?

Accepted Answer

API Key (Bearer Token) — authenticated flows configured via Flow Builder

Question 4

Is there a rate limit on Trulioo?

Accepted Answer

Not publicly specified. Enterprise-negotiated.

Question 5

Does Trulioo offer a sandbox or test mode?

Accepted Answer

Yes — Trulioo provides a sandbox or test environment so you can integrate and test before going live.

Question 6

What is Trulioo best suited for?

Accepted Answer

Enterprise fintechs and regulated businesses that need global identity and business verification across 195+ countries, with access to 13,000+ data sources and 5 billion consumer records.

Question 7

Is there anything else I should know before integrating Trulioo?

Accepted Answer

Trulioo accesses 13,000+ data sources globally and can verify 5 billion consumers and 330 million business entities. No self-serve pricing — enterprise sales process required. Webhooks provide real-time verification event updates.

Question 8

Where can I find Trulioo's documentation?

Accepted Answer

The official API documentation is at https://developer.trulioo.com. The provider's website is https://www.trulioo.com.

Question 9

Does Trulioo support Nigerian developers?

Accepted Answer

Yes — Trulioo explicitly supports Nigerian developers/use cases.

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