NIN & Progressive Verification Guide
Vera enforces progressive identity verification to eliminate anonymous fraud in Nigerian peer-to-peer commerce. Learn how our 5 security tiers protect you.
verified_userThe 5 Verification Tiers
Email Confirmation
Requirement: Confirmed email address upon registration
🎁 Unlocked Perks: Browse marketplace, view public listings, access platform knowledge.
Phone Number Verification
Requirement: SMS OTP verification of active Nigerian mobile number (+234)
🎁 Unlocked Perks: Message buyers/sellers on platform, create support tickets.
Government ID / NIN Verification
Requirement: 11-digit National Identification Number (NIN) matched via National Identity Database (NIMC)
🎁 Unlocked Perks: REQUIRED to post listings, conduct escrow transactions, and withdraw funds.
3D Facial Liveness Detection
Requirement: Live camera biometric liveness check matching NIN document records
🎁 Unlocked Perks: Higher transaction volume limits, priority listing placement, verified badge.
Two-Factor Authentication (2FA)
Requirement: Authenticator App (Google Authenticator / Authy) TOTP enrollment
🎁 Unlocked Perks: Maximum trust rating (100/100 cap), instant priority support, 2FA payout lock.
lockData Protection & NDPR Compliance
Vera operates in full compliance with the Nigeria Data Protection Regulation (NDPR). Your National Identification Number (NIN) is used strictly for identity verification against the National Identity Database (NIMC).
🔒 Masked & Encrypted
Your 11-digit NIN is stored fully encrypted and masked (`********1234`) on our database. No buyer, seller, or third party ever sees your unmasked NIN.
🛡️ Anti-Impersonation
NIN verification requires SMS OTP validation to the phone number registered with NIMC, preventing unauthorized identity usage.