Verath

Verathlabs

About this app

Know every time your NIN or BVN is checked, and act if it wasn’t you.

Your NIN and BVN are used to open bank accounts, apply for loans and verify your identity. Today you usually find out about misuse only when a debt collector calls or an account appears in your name. Verath changes that.

HOW IT WORKS • Protect your identity: add your NIN and/or BVN and prove they are yours, so nobody else can monitor them. • Get alerted: when a bank, lender, fintech or verification provider connected to Verath checks your identity, you get an alert with who checked it, when, and why. • Say “Not me”: one tap sends a dispute to the institution's fraud team, so they can stop it early. • See your history: every check Verath has received for your identity, in one place.

BUILT FOR PRIVACY • Your NIN and BVN are encrypted the moment they reach us and are never shown in full again. • Institutions never learn who an alert went to, and can't combine their data to track you. • Verath never sees your bank accounts: no account numbers, balances or transactions. • Lock the app with Face ID, fingerprint or your device passcode. • Download your history or delete your account and data at any time.

GOOD TO KNOW • Verath alerts you about checks reported by institutions connected to its network. Coverage grows as more partners join. • Verath does not move or recover money. For fraud, contact your bank first; the app gives you clear next steps. • Verath will never ask for your PIN, password or a one-time code.

Verath is currently in an invite-only pilot in Nigeria. Join the waitlist at verath.io to be invited.

What’s new

What's new in 1.0.1

• Extra protection for your identity: before you unlock a NIN or BVN, allow an institution once, or delete your account, Verath may ask you to confirm with a code we email you. This keeps your identity safe even if someone gets hold of your phone or password.
• Clearer colours on the Home tab, so each issue stands out by how urgent it is.
• Small fixes and improvements.