Banks & fintechs
Disputed debits and charge notices resolve at the evidence: delivered, opened, sealed. The 72-hour clock stops being a threat when the answer is a lookup.
Statements · mandates · charge notices
Reach the right person. Prove every delivery.
Email lands in spam. SMS gets muted. Phone numbers get recycled to strangers. Deliver your documents, requests and consent to a verified person instead, each one sealed the moment it lands and independently verifiable.
Prefer to talk it through first? Talk to our team
You sent it. They say they never got it.
Email, SMS and paper were never built to prove anything. Sending was cheap, but denying is free: when a customer disputes a notice, a statement or a demand letter, it's your word against theirs, and yours is the one on a deadline.
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The SMS channel is retiring itself
Alerts cost ₦6 a message, and banks now invite customers to switch them off for free email. Since July 2026, the CBN's own device-binding rules stop treating a phone number as identity. The channel you pay for is the one the system is leaving behind.
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'I never received it'
A missed notice, a disputed statement, a quit notice served into the wrong hands. NIBSS ranks impersonation of institutions as the top fraud technique in Nigerian payments, and without proof of delivery every dispute is your word against theirs, ending with a scene at the branch.
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Consent you can't prove is a fine waiting to happen
The NDPC fined MultiChoice ₦766m for processing data without consent, then opened investigations into 1,369 organisations in a single sweep, 795 of them financial institutions. Audit returns fall due every 31 March.
The numbers behind the problem
See what changed, and when- ₦766m
- largest NDPC fine to date, for processing data without consent
- 1,369
- organisations probed in one NDPC sweep. 795 were financial institutions
- 1 July 2026
- CBN device-binding rules in force: a phone number is no longer identity
- 360 days
- of silence before an inactive phone number is recycled to a stranger
NDPC · July 2025
NDPC · August 2025
CBN circular · March 2026
NCC recycling rules
Four desks, one version of the same dispute.
Whoever you are in the building, 'I never received it' lands on your desk in a different uniform. One rail answers all of them.
Insurers & HMOs
Most 'denied claims' are really notice failures. Policies, exclusions and renewal notices land sealed, so every claim conversation starts from what was actually received.
Policy documents · exclusions · renewal notices
Employers & HR
Offer letters candidates can verify really came from you, contracts that come back as covenants, and payslips that live in each employee's own vault through every visa season to come.
Offer letters · contracts · payslips
Schools & universities
Results and transcripts delivered sealed to the graduate and verifiable by any institution on earth, and fee letters that reach the parent directly, never through the school bag.
Results · transcripts · fee letters
One channel from your system to the right person, and back.
Keepable carries the delivery, the action it asks for, and the proof, together on one rail.
- 01
Send through one API
Choose the person, the document, and the action you need: read, sign, complete or consent.
- 02
We reach the verified person
The delivery resolves to their NIN-anchored Keepable, not a number that might have changed hands.
- 03
They act in a place they trust
They read, sign, fill in the form or give consent, with no separate link or login to distrust.
- 04
It all stays on the record
The delivery, the decision and the seal stay bound together in one verifiable record.
One integration covers every important delivery, and every response comes back with proof that holds up.
Documents, decisions and consent, on one rail.
Statements, agreements, forms and consent are not separate products. They are different things you can deliver down the same trusted path.
Send a document
Send something the person needs to receive, understand and keep.
- Includes
- Statements · payslips · results · policy documents
- The person can
- Read it, keep it, find it again
- On the record
- Sealed, independently verifiable
Ask for a decision
Ask the person to sign or complete something, in the same trusted space.
- Includes
- Offer letters · tenancy agreements · forms
- The person can
- Sign or complete
- On the record
- Signed covenant, or form response
Request consent
Get a clear, sealed decision you can stand behind at audit time.
- Includes
- Data-sharing and processing consent, NDPC-ready
- The person can
- Grant or decline
- On the record
- Sealed, exportable consent receipt
Proof that stands up, without extra paperwork.
Keepable records who sent it, when it was delivered, and what happened next, as part of the delivery itself.
Read how the rail is secured- Proof of delivery
- Every item goes to a verified identity and is sealed the moment it lands. Your system gets a delivery event; your dashboard shows delivery and open rates. The dispute ends at the evidence, not at the refund.
- Signatures that hold
- Every signature is recorded with a tamper-evident trail, and the signed covenant comes back as a PAdES-signed PDF: an advanced electronic signature with a trusted timestamp, admissible under Nigeria's Evidence Act and verifiable on its own. A signature given here is hard to disown.
- Consent on record
- Every consent decision is sealed with its lawful basis, and exports into a Nigerian compliance audit return.
- Reach without the paper
- No printing, no ₦3,000 dispatch runs, no branch queue. One integration replaces the lot, one delivery at a time or in a batch.
What a message costs, and what it proves.
| Channel | Cost | Reaches a verified person | Proof of delivery | Legal weight |
|---|---|---|---|---|
| Keepable | Per delivered document, priced by volume | Yes, anchored to the NIN | Sealed, independently verifiable | Court-admissible evidence |
| SMS | ₦6 per attempt, delivered or not | A SIM that may have changed hands | Nothing the recipient can't deny | Weak |
| Cheap, if it arrives | An address, not a person | Opens are guesses | Contestable | |
| Dispatch rider | ₦3,000–12,000 per run | Whoever opens the gate | A signature, if you're lucky | Contested in court daily |
SMS pricing reflects bank alert fees since May 2025; dispatch pricing reflects Lagos courier rates.
Pricing
Pay per delivery, not per attempt.
No line rental, no monthly minimum. A send that cannot be matched to a verified person is rejected before it is billed, and the rate steps down as your volume grows. We share the rate card the way we send everything else: privately, sealed, to your team.
Micro
Priced by request
Small schools, microfinance banks, private estates.
Growth
Priced by request
Tier-2 banks, HMOs, state agencies.
Enterprise
Priced by request
Tier-1 banks, telcos, DisCos, on committed volume.
Ask us and we'll send your rate card privately. Rates step down with volume; enterprise terms are agreed with your team.
Deliver what matters, and prove it.
Banks, insurers, employers, hospitals, courts and government agencies reach verified people through one integration, and keep the proof. You pay per delivery to a verified person, never per attempt, and your first deliveries are on us. Tell us what you need to send.
Rather speak to a person? Talk to our team