Verify the assets of borrowers and safely grant credit.

Get a consolidated overview of account, balances, previous transactions, and account holder records to ensure the borrower has sufficient assets to qualify for a loan.

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Product Features

Details of a user's finances
Retrieve summary of user's previous transactions, current account balances, and identity information.
Transaction Insights
Inspect customer's transaction data, such as type, location, and customer name— the information is standardized across institutions enabling you to give out loan with confidence
Open Banking/PSD2 integrations
Verifrica payment platform helps you meet open banking and PSD2 requirements which include secure access to accounts, strong customer authentication, and consent management with the aim of improving customer authentication processes.

How it works

Make request and gain access to users asset report

Send a POST request to the Assets endpoint to call users financial data and identity.

View Api docs

http code 200
{
 "accounts": [{Object}],
 "transactions": [{
    "account_id": "vokyE5Rn6vHKqDLRXEn5fne7LwbKPLIXGK98d",
    "amount": 2307.21,
    "iso_currency_code": "GBP",
    "unofficial_currency_code": null,
    "category": [
      "Shops",
      "Computers and Electronics"
    ],
    "category_id": "19013000",
    "date": "2017-01-03",
    "authorized_date": "2017-01-27",
    "location": {
     "address": "null",
     "city": "null",
     "region": "null",
     "postal_code": "null",
     "country": "null",
     "lat": null,
     "lon": null,
     "store_number": "1235"
    },
    "name": "Apple Store",
    "payment_meta": Object,
    "payment_channel": "in store",
    "pending": false,
    "pending_transaction_id": null,
    "account_owner": null,
    "transaction_id": "lPNjeW1nR6CDn5okmGQ6hEpMo4lLNoSrzqDje",
    "transaction_code": null,
    "transaction_type": "place"
   }, {
    "account_id": "XA96y1wW3xS7wKyEdbRzFkpZov6x1ohxMXwep",
    "amount": 78.5,
    "iso_currency_code": "GBP",
    "unofficial_currency_code": null,
    "category": [
      "Food and Drink",
      "Restaurants"
    ],
    "category_id": "13005000",
    "date": "2017-01-29",
    "authorized_date": "2017-01-28",
    "location": {
      "address": "null",
      "city": "null",
      "region": "null",
      "postal_code": "null",
      "country": "null",
      "lat": null,
      "lon": null,
      "store_number": "null"
    },
    "name": "Pret A Manger",
    "payment_meta": Object,
    "payment_channel": "in store",
    "pending": false,
    "pending_transaction_id": null,
    "account_owner": null,
    "transaction_id": "4WPD9vV5A1cogJwyQ5kVFB3vPEmpXPS3qvjXQ",
    "transaction_code": null,
    "transaction_type": "place"
  }],
  "item": {Object},
  "total_transactions": Number,
  "request_id": "45QSn"
}

Building the future of financial payment in Africa

Users can review this data before sharing their financial information with developers, lenders, and other third parties.

View Api docs