Every transaction checks the sender’s KYC verification status using their BVN. Identity Verification Providers: BVN, NIN, and vNIN verification calls are made. When you triggerDocumentation Index
Fetch the complete documentation index at: https://ratel-docs.bevars.com/llms.txt
Use this file to discover all available pages before exploring further.
verify-bvn or verify-nin, the platform calls the provider’s API with the ID number and cross-references the returned name against the applicant’s name (including swapped name order, which is common in Nigeria). Liveness checks uses face-match and liveness detection API.
| KYC Status | Score | Outcome | What Happens |
|---|---|---|---|
| REJECTED | 70 | ESCALATE | Case created, officer notified, enhanced due diligence required |
| EXPIRED | 50 | REVIEW | Officer notified, re-verification required |
| NONE (no record) | 40 | REVIEW | No KYC application found — officer notified |
| PENDING | 20 | APPROVE | Application submitted, not yet processed |
| IN_PROGRESS | 0 | APPROVE | Partial verification passed (BVN/NIN verified via Prembly) |
| VERIFIED | 0 | APPROVE | Fully verified — no risk contribution |
Note: IfsenderBvnis not provided in the request, KYC status defaults toNONE(score 40, REVIEW). Always include the sender’s BVN for accurate KYC risk scoring.