TRAMCA is an AI-powered AML intelligence platform for Nigerian banks, fintechs, mobile money operators and other financial institutions. Autonomous AI agents run complete investigations end-to-end — KYC, KYB, Transaction Monitoring, and CDD/EDD — and hand a human reviewer a finished, evidence-backed decision instead of a pile of alerts.
Most AML software is built to flag. It spots a suspicious pattern, opens a ticket, and leaves an analyst to manually pull records from a dozen systems before they can decide anything. TRAMCA's AI agents are built to investigate — running the entire process autonomously and leaving a human reviewer with a complete, cited case file instead of a blinking alert.
See an example investigation run in the hero above. Actual resolution time depends on case complexity and is published once benchmarked against real case volumes.
Four modules cover end-to-end AML compliance for banks and financial institutions. The fifth — Identity Verification — is a standalone API any business can connect to directly. All five connect to the Nigerian infrastructure compliance teams already work with: BVN/NIBSS, NIN/NIMC, CAC, FIRS, SCUML, and NFIU's goAML.
Identity verification and risk scoring at onboarding and on an ongoing basis.
Corporate verification and beneficial-ownership tracing for business customers.
Continuous monitoring for suspicious patterns across accounts and channels.
Deeper investigation for higher-risk customers, PEPs, and flagged relationships.
A standalone identity-verification API — not just for banks. Any business that needs to know who it's dealing with can connect directly.
Identity, business, and risk signals all feed into the same investigation core — so an agent can cross-reference all of it in one pass instead of checking ten separate tools.
Every finding an agent reports is grounded in a specific, citable tool call — covering Nigerian infrastructure most platforms built for other markets simply don't touch.
On 10 March 2026, the Central Bank of Nigeria issued Circular BSD/DIR/PUB/LAB/019/002, setting Baseline Standards for Automated AML/CFT/CPF Solutions. It moves every regulated institution from largely manual compliance toward continuous, automated monitoring, across six capability areas:
A compliance platform has to be defensible to a regulator, not just useful to an analyst. Confirm and publish the specific controls below once finalized with your engineering and legal teams.
Tell us about your institution and we'll walk through which modules fit your current stack and how the platform maps to the CBN mandate. Pricing is discussed during this conversation, based on your institution's size and needs.
TRAMCA