Confirm a borrower at their address A verified Operator visits the home or business on the application, confirms someone is really there, and captures dated, geotagged photos of the door and the person present.
100%of every check is funded and escrow-locked before an Operator moves
₦0held by hannu — licensed partners hold the money, we only keep the record
1 zonelive today — Lagos, Nigeria, expanding as the gates hold
You disburse on a screen — and the bad loans arrive later.
A passed form check, a matched BVN, a photo of a shopfront — none of it proves the borrower lives there or the merchant trades there today. The address on the application is a claim, and every unchecked one is priced into your book: ghost borrowers, phantom merchants, and first-payment-default rings that were never real.
Standing up your own field team across Lagos to confirm each one is a second business to run. What closes the gap is independent, on-the-ground proof before the money leaves — a verified person who confirms the borrower or merchant is real, present, and where they claim.
One lifecycle, funded to signed. Fund it once — the platform runs every step and hands back one signed report.
₦ held
Define & fund
Set the check — a borrower, a merchant, an address — and fund it once. The money locks in escrow before an Operator moves.
Wallet & escrowThe checks you can run. Each one honestly stated — Live, Pilot or Gated, never claiming more than it delivers.
Verify a merchant on the ground The shop or premises is visited on site — signage, trading activity and exact location captured — so you disburse against a real merchant, not an empty room.
Deep borrower and merchant field-check Premises confirmation, a registration match and an owner interview packaged as one signed workflow, run with lending design partners and unlocking per zone as the gate metrics hold.
Go deeper
Guide
What is inside the signed record
The checks we run, the evidence attached, and the signed report your underwriting and audit teams can re-verify.
GuideRe-verify active merchants on a schedule
Set a merchant or borrower check to repeat under a fixed budget cap — every run proposed for your approval first.
GuideThe compliance and audit view
The same on-the-ground proof, framed for your compliance and audit team and the regulators who ask how you verified.
Verify the borrower before you disburse.
Confirm a borrower or merchant is real, present and where they claim — and get back a signed record your risk team accepts, before the money moves.