Identity Verification (KYC & KYB) and the Legal Name Match Mandate

1. Why Verification is Mandatory

Kpugi operates as a financial marketplace where brands deposit capital into protected escrow and creators withdraw live earnings directly to Nigerian bank accounts. To comply with Central Bank of Nigeria (CBN) regulations, anti-money laundering (AML) laws, and the Nigeria Data Protection Act (NDPA), we enforce rigorous identity checks:

• For Creators: Electronic Know-Your-Customer (eKYC) ensures genuine creators get paid and eliminates multi-account bot sybil attacks.
• For Advertisers: Know-Your-Business (KYB) verifies corporate standing, protecting creators from fraudulent advertisers or non-compliant campaigns.

2. Creator Identity Verification (eKYC) Walkthrough

Creators must complete eKYC before initiating their first bank withdrawal. The process is fully automated via our identity partner, Didit, and takes under 3 minutes.

Accepted Government-Issued Documents

1. National Identification Number (NIN): National Identity Management Commission (NIMC) NIN Slip or Virtual NIN (vNIN).
2. Nigerian International Passport: Clear photo of the bio-data page.
3. FRSC Driver's License: Valid, unexpired digital or physical card.
4. INEC Permanent Voter's Card (PVC): Valid voter card showing legible registration details.

How to Submit Your KYC

1. Go to your Creator Dashboard and open Settings (/c/settings).
2. Scroll to the Identity Verification section and click Verify Identity with Didit.
3. You will be redirected to the encrypted verification screen. Select your document type.
4. Position your ID within the camera frame, ensuring good lighting with no glare or blur.
5. Complete a 5-second facial liveness selfie check to confirm document ownership.
6. Submit. Our biometric engine verifies the document and redirects you back to your Kpugi dashboard with a verified status.

3. The Legal Name Match Mandate (NUBAN Bank Match)

• No Third-Party Withdrawals: You cannot withdraw earnings into bank accounts belonging to your friends, parents, spouse, or siblings. Payouts must be sent to the creator whose identity is verified.
• Middle Names & Surnames: Minor discrepancies (e.g. including or omitting an initial) are evaluated automatically, but mismatched surnames or entirely different names will halt Friday payout disbursements pending manual compliance review.

4. Advertiser Business Verification (KYB)

Brands, commercial enterprises, and marketing agencies must provide corporate documentation under Advertiser Settings (/b/settings) before running enterprise-scale campaigns:

• Registered Company Name: Exactly as registered with the Corporate Affairs Commission (CAC) or foreign corporate registrar.
• Tax Identification Number (TIN): Active TIN issued by the Federal Inland Revenue Service (FIRS).
• CAC Registration Number: RC or BN number for company verification.
• Corporate Email Domain: Official company email address (free public email providers like Gmail/Yahoo require additional proof of business ownership).
• Designated Campaign Manager: Name and direct phone number of the authorized representative managing the brand's escrow budget.

5. Data Privacy & NDPA Compliance

Kpugi strictly complies with the Nigeria Data Protection Act (NDPA). All identity documents and biometric verification data are processed through end-to-end 256-bit encryption. Kpugi will never share, sell, or disclose your personal identity documents to advertisers, creators, or external third parties.