1 Best APIs for No-Code Risk Rule Builder in Nigeria

iDenfy is a developer-first identity verification platform offering automated KYC (Know Your Customer) through a pay-per-approved-verification model, where businesses are only charged when a user is successfully verified — rejected or abandoned sessions are completely free. Founded in 2017 and headquartered in Kaunas, Lithuania, iDenfy supports over 3,000 document types from more than 200 countries and territories, combining AI-powered document analysis, biometric face matching, liveness detection, and optional human review in a three-step verification pipeline. The platform is particularly notable for its no-code risk rule builder that allows compliance teams to configure custom verification logic — risk scoring, conditional check triggers, and decisioning rules — without requiring engineering involvement for each policy change. ## What the API Does iDenfy's core product is its three-step KYC flow: **Step 1 — Document Check**: The user uploads a government-issued ID (passport, national ID card, driver's license) using iDenfy's guided capture interface. The AI engine performs OCR extraction, authenticity analysis, and security feature validation against a library of 3,000+ document templates covering 200+ countries, including Nigerian international passports, NIN slips, voter cards, and driver's licenses. **Step 2 — Liveness Detection**: A selfie is captured with passive or active liveness checks to confirm the user is physically present. The biometric engine then matches the selfie against the document photo. **Step 3 — AI + Human Review**: iDenfy's AI processes the verification automatically. Cases flagged as uncertain are escalated to a human review queue where trained analysts make the final determination. This hybrid approach delivers higher accuracy than purely automated systems, particularly for low-quality document images or challenging lighting conditions common in mobile captures. Additional features include: **Address Verification** (extracting address data from proof-of-address documents), **AML & PEP Screening** (ongoing daily monitoring of approved users against global watchlists), and a **No-Code Risk Rule Builder** for defining custom verification policies without code. ## How Developers Use It Integration is via REST API or pre-built SDKs for Web, iOS, and Android. The authentication flow: 1. POST to `https://ivs.idenfy.com/api/v2/token` with your API key and secret to generate a short-lived `authToken` and `redirectUrl` for the user session. 2. Redirect the user to the `redirectUrl`, or embed the iDenfy Web SDK using the `authToken`. 3. The user completes document upload and selfie in iDenfy's hosted UI. 4. Results are delivered to your configured webhook callback URL when review completes (AI-instant for clean cases, human review for flagged cases). 5. Retrieve the full verification result via the API using the scan reference ID. ## Pricing & Fees iDenfy uses a pay-per-approved-verification model: - **Premium Plan**: $1.30 per approved verification - **Basic Plan**: $1.35 per approved verification - **Enterprise Plan**: $0.55–$0.65 per approved verification (down to $0.50 at high volume) Critically, **rejected and incomplete verifications are not charged**. This aligns iDenfy's pricing with your successful user conversions — you only pay when a user is cleared to proceed. Annual billing and volume discounts are available on enterprise plans. ## Authentication iDenfy uses an API key pair authentication model. Your API key and secret are exchanged via a POST request to the token generation endpoint (`/api/v2/token`), which returns a short-lived `authToken` specific to each user session. This session token is then used to initialize the verification flow for that user. The server-to-server API calls (status checks, result retrieval) use your API key directly as a Bearer token. ## Rate Limits Rate limits are not publicly documented and vary by plan tier. Contact iDenfy support for specific throughput limits on your subscription. ## Compliance & Regulations iDenfy is ISO 27001 certified and GDPR compliant. The platform supports FATF KYC recommendations and is designed for use by regulated financial institutions, crypto exchanges, and compliance-driven businesses. AML and PEP screening coverage includes OFAC, UN, EU, UK Treasury, and global adverse media databases. For Nigerian deployments, iDenfy's document verification capabilities align with CBN KYC Customer Due Diligence requirements for digital financial service providers. ## Challenges & Gotchas for Nigerian Developers 1. **Human review turnaround**: While AI decisions are near-instant, human review cases can take minutes to hours. Design your onboarding UX to handle asynchronous verification results gracefully. 2. **No native BVN integration**: iDenfy does not directly query the NIBSS BVN database. Pair with a Nigerian BVN API if BVN verification is a requirement. 3. **USD billing**: iDenfy bills in USD. Nigerian developers need a USD-capable payment method. 4. **NDPR considerations**: Biometric data processed by iDenfy qualifies as sensitive personal data under NDPR. Review the data processing agreement for Nigerian user data handling. 5. **Pricing tier selection**: The $0.10–$0.15 difference between Premium and Basic tiers is minor, but Enterprise pricing (down to $0.50) becomes significant at high volumes. Negotiate your plan based on projected monthly verification volume. ## Company Background iDenfy was founded in 2017 in Kaunas, Lithuania. The company provides identity verification services to clients across fintech, crypto, gaming, real estate, and other regulated industries globally. iDenfy emphasizes its hybrid AI + human review model as a differentiator — arguing that fully automated systems miss subtle forgeries that trained human reviewers catch, particularly for non-standard document types. ## Frequently Asked Questions **Q: Am I charged for failed verifications?** A: No. iDenfy only charges for approved verifications. Rejected, failed, and abandoned sessions are not billed. **Q: Does iDenfy support Nigerian identity documents?** A: Yes. Nigerian international passports, NIN slips, voter cards, and driver's licenses are covered within iDenfy's 3,000+ document template library. **Q: What is the turnaround time for verification?** A: AI-reviewed cases return decisions in seconds. Human review cases typically resolve within minutes to a few hours depending on queue load. **Q: Can compliance teams adjust rules without engineering help?** A: Yes. iDenfy's no-code risk rule builder allows compliance teams to configure verification logic, risk scoring, and conditional checks without any code changes.