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
Isa ga mutum daidai. Tabbatar da kowace kaiwa.
Imel yana faɗawa spam. Ana kashe SMS. Lambobi suna canza hannu. A maimakon haka, ka kai takardunka, buƙatunka da izininka ga mutum da aka tabbatar, an hatimce kowanne a lokacin da ya iso kuma ana iya tabbatar da shi da kansa.
Kana son mu fara tattaunawa? Yi magana da tawagarmu
Ka aika shi. Sun ce ba su taɓa karɓarsa ba.
Imel, SMS da takarda ba a taɓa gina su don tabbatar da wani abu ba. Don haka idan abokin ciniki ya yi jayayya da wata sanarwa, bayanin asusu ko wasiƙar buƙata, maganarka ce da tasu.
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Tashar SMS tana yin ritaya da kanta
Saƙo ɗaya na kashe ₦6, kuma bankuna da kansu yanzu suna gayyatar abokan ciniki su kashe saƙonnin su koma imel kyauta. Tun Yulin 2026, ƙa’idojin CBN na ɗaure na’ura sun daina ɗaukar lambar waya a matsayin shaida. Tashar da kake biya ita ce wadda kowa ke barinta.
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‘Ban taɓa karɓarsa ba’
Sanarwar da ta ɓace, bayanin asusu da aka yi jayayya, sanarwar ficewa da ta shiga hannun da bai dace ba. NIBSS ta ce kwaikwayon cibiyoyi ne dabarar zamba ta farko a biyan kuɗi na Najeriya, kuma ba tare da shaidar kaiwa ba kowace jayayya maganarka ce da tasu, tana ƙarewa da faɗa a reshe.
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Izini da ba za ka iya tabbatarwa ba tara ce mai jira
NDPC ta ci MultiChoice tara na ₦766m saboda sarrafa bayanai ba tare da izini ba, sannan ta buɗe bincike kan ƙungiyoyi 1,369 a sha ɗaya, 795 daga cikinsu cibiyoyin kuɗi ne. Ana mika amsar bincike a duk 31 ga Maris.
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
Tasha ɗaya daga tsarinka zuwa mutum daidai, sannan komawa.
Keepable yana ɗaukar kaiwa, aikin da take nema, da shaidar, tare a kan hanya ɗaya.
- 01
Aika ta API guda
Zaɓi mutumin, takardar, da aikin da kake buƙata: karantawa, sa hannu, kammalawa ko izini.
- 02
Muna isa ga mutum da aka tabbatar
Kaiwa tana samun Keepable ɗinsu da aka ɗaure da NIN, ba lamba da wataƙila ta canza hannu ba.
- 03
Suna aiki a wuri da suka amince da shi
Suna karantawa, sa hannu, cika fom ko ba da izini, ba tare da wata alaƙa ko shiga daban da za su rasa amana ba.
- 04
Duk yana kasancewa cikin bayanin
Kaiwa, shawarar da hatimin suna kasancewa a haɗe cikin bayani guda da ana iya tabbatarwa.
Haɗin kai ɗaya yana rufe kowace kaiwa mai muhimmanci, kuma kowace amsa tana dawowa da shaida da za ta tsaya.
Takardu, shawarwari da izini, a kan hanya ɗaya.
Bayanan asusu, yarjejeniyoyi, fom da izini ba samfura daban ba ne. Abubuwa daban ne da za ka iya kaiwa ta hanya ɗaya da ake amincewa.
Aika takarda
Aika wani abu da mutumin ke buƙatar karɓa, fahimta da riƙewa.
- Ya haɗa da
- Bayanan asusu · takardun albashi · sakamako · takardun manufa
- Mutumin zai iya
- Karanta shi, riƙe shi, sake samun sa
- A cikin bayanin
- An hatimce, ana iya tabbatarwa da kansa
Nemi shawara
Nemi mutumin ya sa hannu ko ya kammala wani abu, a wuri ɗaya da ake amincewa.
- Ya haɗa da
- Wasiƙun tayin aiki · yarjejeniyoyin haya · fom
- Mutumin zai iya
- Sa hannu ko kammalawa
- A cikin bayanin
- Yarjejeniya da aka sa hannu, ko amsar fom
Nemi izini
Sami shawara bayyananniya da aka hatimce da za ka iya tsayawa a kanta lokacin bincike.
- Ya haɗa da
- Izinin raba bayanai da sarrafawa, da suka dace da NDPC
- Mutumin zai iya
- Ba da ko ki
- A cikin bayanin
- Rasitin izini da aka hatimce, ana iya fitarwa
Shaida da za ta tsaya, ba tare da ƙarin takardu ba.
Keepable yana yin rikodin wanda ya aika, lokacin da aka kai, da abin da ya faru bayan haka, a matsayin wani ɓangare na kaiwar da kanta.
Karanta yadda aka tabbatar da hanyar- Shaidar kaiwa
- Kowane abu yana zuwa shaida da aka tabbatar kuma an hatimce shi a lokacin da ya iso. Tsarinka yana samun sanarwar kaiwa; allon bayananka yana nuna adadin kaiwa da buɗewa.
- Sa hannu da ke tsayawa
- Ana yin rikodin kowace sa hannu tare da tarihi da ke nuna idan an taɓa shi, kuma ana mayar da yarjejeniyar da aka sa hannu a matsayin PDF mai sa hannun PAdES: sa hannu na lantarki na ci-gaba tare da tambarin lokaci amintacce, wanda Dokar Shaida ta Najeriya ta amince da shi kuma ana iya tabbatarwa da kansa. Sa hannun da aka bayar a nan yana da wuya a musanta shi.
- Izini a cikin bayanin
- An hatimce kowace shawarar izini tare da tushenta na doka, kuma yana fitowa cikin amsar bincike na bin ƙa’ida ta Najeriya.
- Isa ba tare da takarda ba
- Babu bugawa, babu manzannin aikawa, babu layin jira a reshe. Haɗin kai ɗaya yana maye gurbin duka, kaiwa ɗaya a lokaci guda ko a taro.
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.
Kai abin da ke da muhimmanci, kuma ka tabbatar.
Bankuna, kamfanonin inshora, masu ɗaukar ma’aikata, asibitoci, kotuna da hukumomin gwamnati suna isa ga mutane da aka tabbatar ta hanyar haɗin kai ɗaya, kuma su riƙe shaidar. Kana biya ne kawai bisa kaiwa ga mutum da aka tabbatar, ba bisa ƙoƙari ba, kuma kaiwar farko naka kyauta ce. Faɗa mana abin da kake buƙatar aikawa.
Ko kana son ka yi magana da mutum? Yi magana da tawagarmu