Solutions AI Agents Data Sources CBN Compliance Pricing Request a Demo →
CBN BSD/DIR/PUB/LAB/019/002 Compliant · Nigeria's First AI-Powered AML Platform

AI Agents That Investigate.
Compliance Teams That Approve.

TRAMCA is Nigeria's first purpose-built AML intelligence platform. AI agents conduct complete, end-to-end investigations autonomously — in under 8 minutes. Built on BVN, NIN, CAC, and goAML. Live in 30 days.

₦85B
Nigerian AML Market annually
1,200+
Regulated institutions require CBN compliance
<8 min
Full AI investigation time vs 3–6 hrs manual
27
Intelligence tools across 3 categories
Live Alert Feed
LIVE
OLUSEGUN ADEWALE TECH LTD
Structuring detected · 9 sub-threshold txns
₦47.5M
AMINA IBRAHIM
PEP match · VPN session detected
₦12.8M
GOLDEN BRIDGE IMPORTS
OFAC SDN hit · Court docket found
₦8.2M
● AI AGENT RUNNING — CASE-2241
UBO ownership mapping in progress...
CBN MANDATE BSD/DIR/PUB/LAB/019/002 · MARCH 2026
DMB DEADLINE SEPTEMBER 2027
BVN/NIN LIVE NIBSS + NIMC INTEGRATION
AI AGENTS POWERED BY ANTHROPIC CLAUDE
🔒 DATA RESIDENCY ALL DATA REMAINS IN NIGERIA
GOAML NATIVE NFIU SAR FILING
CBN MANDATE BSD/DIR/PUB/LAB/019/002 · MARCH 2026
DMB DEADLINE SEPTEMBER 2027
BVN/NIN LIVE NIBSS + NIMC INTEGRATION
AI AGENTS POWERED BY ANTHROPIC CLAUDE
🔒 DATA RESIDENCY ALL DATA REMAINS IN NIGERIA
GOAML NATIVE NFIU SAR FILING

Everything your compliance
team needs, in one platform

Built for Nigeria. Integrated with BVN, NIN, CAC, EFCC, NIBSS, and goAML. Satisfying all 5 provisions of CBN Circular BSD/DIR/PUB/LAB/019/002.

Know Your Customer

Real-time identity verification with live BVN and NIN integration. AI-powered document analysis, liveness detection, and deepfake screening — all in one seamless KYC workflow.

BVN verification via live NIBSS API
NIN verification via live NIMC API
ID document verification + MRZ check
Liveness check — camera vs. screenshot
AI selfie + deepfake detection
Forged document detection (pixel-level ELA)
Handwriting comparison across signatures
Address Presence — physical vs. virtual office
Device intelligence + IP & network analysis
Dynamic risk scoring (0–100) across 5 dimensions
Request KYC Demo →
Know Your Business

Deep corporate verification and ultimate beneficial ownership tracing across 50+ jurisdictions. From CAC registration to court dockets and international sanctions — all in one investigation.

CAC RC Number verification — real time
FIRS TIN validation
SCUML registration status
UBO tracing across 50+ jurisdictions
Director and beneficial owner screening
Litigation / Dockets — Federal & State courts
Social & Web Presence — WHOIS, profiles
Regulatory enforcement history
Linkage Deep Dive — shared identifiers
Context Engine — entity resolution & fraud rings
Request KYB Demo →
Transaction Monitoring

Real-time transaction screening across every channel. 40+ AML typology rules, ML behavioral anomaly scoring, and device and IP intelligence signals — all processing in under 100ms.

40+ AML typology rules — real time
Structuring · Smurfing · Layering detection
ML behavioral anomaly scoring (XGBoost)
Geographic risk — FATF high-risk jurisdictions
Velocity anomaly detection
Sanctions + PEP matching at transaction level
Device + IP risk signals per transaction
NIBSS NIP cross-bank data integration
CBN STR / CTR automated threshold reporting
Alert triage queue + case management
Request TXN Demo →
Customer Due Diligence

Full CDD and EDD workflow management with AI-generated SAR narratives and native goAML submission. Every case, every finding, every action captured in an immutable audit trail.

Standard CDD + Enhanced Due Diligence workflows
Adverse media — 30+ languages including Hausa, Yoruba, Igbo
AI-generated SAR narrative (Claude-powered)
Native goAML API — direct NFIU submission
Decision + Evidence Pack — court-ready output
Immutable audit trail — CBN examination ready
Periodic review scheduling — configurable
EDD triggers — PEP, court records, device risk
Document vault — encrypted secure storage
CBN Compliance Tracker — 7 mandate dashboard
Request CDD Demo →
<8 min
Full AI investigation (vs 3–6 hrs manual)
97%
Alerts auto-resolved by ML engine
<3%
False positive rate (vs 70–90% industry avg)
30 days
From contract to live platform
10×
Analyst productivity improvement

Your analysts approve.
TRAMCA investigates.

TRAMCA's AI agents conduct complete, end-to-end AML investigations autonomously — from BVN verification to SAR filing. Every finding is cited, every source is linked, every step is logged.

Identity Verification
BVN · NIN · ID Document · Liveness · AI Selfie · Handwriting
Document Authentication
Forged Document Detection · OCR · Vision — PDF and image extraction
Sanctions & PEP Screening
1,400+ programs · 30+ language adverse media including Hausa, Yoruba, Igbo
Corporate Registry + UBO
CAC · FIRS · SCUML · Beneficial ownership tracing across 50+ jurisdictions
Address · Social · Device · IP
Physical verification · WHOIS · Device fingerprint · VPN/Tor/Proxy detection
Litigation / Court Dockets
Nigerian Federal + State courts · Bankruptcy · Judgments · Liens
7
Context Engine + Linkage
Entity resolution · Fraud ring detection · Shared identifier analysis
8
Web Intelligence (OSINT)
Web browsing agent · Webpage extractor · Open-source intelligence
9
Decision + Evidence Pack
Cited findings · SAR narrative · Full audit trail — ready for CBN examination
⚡ Completes in under 8 minutes  ·  Manual equivalent: 3–6 hours
CASE-2241
OLUSEGUN ADEWALE TECH LTD
● INVESTIGATING
🪪
Identity Verification
BVN confirmed via NIBSS · NIN confirmed via NIMC
Sanctions Screening
No hits across 1,400+ programs (OFAC, UN, EU, CBN, EFCC)
Court Dockets
⚠ 2 active cases — FHC Lagos · ₦85M lien (Access Bank)
Handwriting Comparison
⚠ Bank mandate signature 55% match vs. NIN reference
Device Intelligence
⚠ Device ID shared across 2 registered accounts
🌐
IP & Network
Lagos, Nigeria · MTN · No VPN/Tor detected · Threat score: 8/100
Evidence Pack — Ready for Approval
BVN/NIN verification record with NIMC source link
Court docket — FHC/L/CS/1823/2024 structured data
Handwriting analysis report — 3 signature samples
AI-generated NFIU SAR narrative — ready to file
Full audit trail — every step timestamped

27 purpose-built intelligence tools

Every conclusion grounded in verifiable evidence. Every finding linked to a source. Covering Nigerian infrastructure no Western platform touches.

14 Data Sources Screening, Enrichment & Identity
Sanctions Screening
Multi-list screening across 1,400+ global sanction programs including OFAC, UN, EU, HMT, CBN watchlist, and EFCC red-flag list.
OFACUNEUCBNEFCC
PEP Screening
Politically exposed persons across 240 countries — NASS members, federal and state officials, their family members and associates.
NASS members240 countriesRCAs
Adverse Media
Social and traditional media monitoring across 30+ languages including Hausa, Yoruba, Igbo, and Pidgin. 500+ sources including Punch, Vanguard, BBC Pidgin.
HausaYorubaIgboPidgin30+ languages
Litigation / Dockets NEW
Nigerian Federal and State court dockets, bankruptcy filings, judgments, and liens. Structured case data including parties, status, and dispositions.
Federal High CourtState courtsBankruptcy
Address Presence NEW
Address normalization, virtual office detection, and physical verification via Google Maps and Place API. Flags PO boxes, mail drops, and coworking fronts.
Google Maps APIVirtual office DBPlace API
Social & Web Presence NEW
Discover and correlate social media accounts, website registrations, WHOIS domain records, and online mentions. Surface hidden connections.
LinkedInTwitter/XWHOISDomain
Device Intelligence NEW
Device fingerprinting, emulator detection, and behavioral signals. Cross-references device identifiers against known fraud networks. Detects Bluestacks, NoxPlayer, and device spoofing.
FingerprintingEmulator detectionFraud network DB
🌐
IP & Network Intelligence NEW
IP reputation, geolocation, proxy and VPN detection. Resolves to ISP and hosting provider. Detects Tor exit nodes and residential proxy networks with precision scoring.
VPN detectionTor exit nodesThreat feeds
UBO / Ownership Enrichment
Trace the true owners of any company across jurisdictions. Returns ownership percentage, jurisdiction, and control mechanism for every beneficial owner.
50+ jurisdictionsCACOpenCorporates
5 Verification Tools Document Authenticity & Biometric Analysis
🪪
ID Verification NEW
Validates government-issued IDs. Extracts identity fields, checks document security features (MRZ, hologram, watermarks), and cross-references against issuing authority format.
PassportDriver's licenceNIN slipMRZ
🔍
Forged Document Detection NEW
Pixel-level tampering, font inconsistency, and metadata analysis. Detects clone-stamp edits, photo splices, and template mismatches using Error Level Analysis.
ELA analysisFont checkMetadata
📷
Liveness Check NEW
Detects whether submitted document images are real, live captures. Distinguishes genuine camera-captured documents from screenshots, scans, or synthetic images.
Camera authScreen detectionJPEG artifacts
🤖
AI Selfie + Document Detection NEW
Flags deepfake selfies and AI-generated documents using model-fingerprint signals, GAN artifacts, and diffusion model traces. Consistency checks across face, text, and layout.
Deepfake detectionGAN artifactsDiffusion traces
Handwriting Comparison NEW
Stroke pattern analysis, pressure mapping, and character matching across signature samples. Evaluates handwriting across documents to identify likely forgeries and inconsistencies.
Stroke analysisPressure mappingCharacter match
8 Investigation Tools Agent-Powered Enrichment & OSINT
🌐
Web Browsing Agent
Browse the web to research and gather OSINT evidence autonomously.
Webpage Extractor
Extract structured data from any webpage including court portals and registries.
👁
Vision
Download, view, and extract information from PDFs, images, and digital records.
📄
Document OCR
Extract text and structured data from scanned documents and images.
Computer Use
Access data behind internal tools and other applications automatically.
Context Engine
Entity resolution, fraud pattern detection, and link discovery across all signals.
Linkage Deep Dive
Track related entities, users, and accounts from shared identifiers.
Decision + Evidence Pack
Structured decision output with full audit trail and SAR narrative.

Built around
BSD/DIR/PUB/
LAB/019/002

The Central Bank of Nigeria's March 2026 circular mandates all banks, MMOs, PSPs, IMTOs, and OFIs to deploy automated AML systems. TRAMCA satisfies every provision.

1
Real-Time Transaction Monitoring
40+ rules + ML + Device/IP signals across all channels
2
Full Customer Profile Context
KYC + KYB + TXN + CDD — 27 signals per profile assessment
3
AI & ML Annual Validation
Claude + XGBoost + validation framework — accuracy, drift, fairness, bias
4
BVN/NIN Integration
Live NIBSS + NIMC APIs at onboarding and periodic review
5
Shared Services Model
Multi-tenant architecture with CBN notification module
Jun 2026
Roadmap submission
TRAMCA helps you prepare this
Sep 2027
DMB full compliance
Hard deadline — 25 banks
Mar 2028
OFIs / MMOs / PSPs
5,000+ institutions
Live Compliance Dashboard
BVN/NIN Integration Complete
Live NIBSS + NIMC APIs · Identity verified at onboarding
Customer Profile Context Complete
27 signals unified · KYC + KYB + TXN + CDD integrated
Real-Time Monitoring On Track · 65%
System deployed · ML thresholds calibrating
AI/ML Annual Validation On Track · 40%
Models live · Independent validation framework in design
Roadmap Submission to CBN Due Soon · 80%
⚠ Due June 10, 2026 · TRAMCA helps prepare this document
SAR Filing — goAML Integration On Track · 55%
goAML API integration active · Native NFIU submission

Plans for every institution

Annual contracts. Nigerian pricing. No surprise integration costs. All data stays in Nigeria.

Starter
For MFBs & Fintechs
Microfinance banks, early-stage fintech companies
₦18M
per year · annual contract
KYC + KYB modules
5,000 verifications/month
Basic transaction rule engine
BVN/NIN live integration
Sanctions + PEP screening
Standard support
Get Started
Growth
For PSPs & MMOs
Payment service providers, IMTOs, mobile money operators
₦60M
per year · annual contract
All 4 modules included
50,000 transactions/month
5 AI agent investigations/month
Adverse media (30+ languages)
Address + Device + IP intelligence
Priority support
Get Started
Enterprise
For Tier-1 DMBs
Deposit money banks, government institutions
₦360M+
per year · custom contract
Dedicated infrastructure
Unlimited AI investigations
White-label dashboard option
99.99% SLA guaranteed
Custom rule library development
CBN examination support
On-site training for compliance team
Executive success sponsor
Contact Sales
API Add-On Pricing
Available on all plans · Pay only for what you use
Per Query
KYC Verification (BVN + NIN)
₦200
KYB Check (CAC + UBO)
₦350
Sanctions + PEP Screen
₦80
Full AI Investigation
₦15,000
SAR Narrative (AI)
₦5,000
Court Docket Search
₦2,000
Handwriting Comparison
₦3,000
Address Presence Check
₦500

See TRAMCA live — in under 30 minutes

Live BVN/NIN Verification
We verify a real identity in real time using our live NIBSS and NIMC connections. You see exactly what your compliance team will see.
🤖
AI Agent Investigation
Watch an AI agent conduct a complete 10-step AML investigation autonomously — from BVN check to SAR narrative generation — in under 8 minutes.
📋
CBN Compliance Mapping
We map every feature of TRAMCA to a specific provision of CBN Circular BSD/DIR/PUB/LAB/019/002 — so your CCO has everything they need.
🔒
Your Data, In Nigeria
We walk through our data residency architecture — AWS Lagos region, Nigerian data storage, NDPR compliance, and your signed Data Processing Agreement.
"TRAMCA's AI agent produced the same investigation that our team of analysts would take two days to complete — in under 10 minutes. The audit trail was exactly what our CBN examiner needed to see."
Chief Compliance Officer
Tier-2 Commercial Bank, Lagos
Request Your Demo
We respond to all demo requests within 4 business hours. Our team will schedule a personalised session at your convenience.
🔒 Your information is kept strictly confidential and will never be shared with third parties. We comply fully with NDPR.
Demo Request Received!
Thank you. A member of the TRAMCA team will contact you within 4 business hours to schedule your personalised demo session.
In the meantime, email us directly at contact@tramca.ng