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 dey land inside spam. Person dey mute SMS. Dem dey recycle phone numbers give strangers. Deliver your documents, requests and consent to verified person instead, dem seal every one the moment e land and you fit verify am on your own.
You wan make we first talk am through? Talk to our team
You send am. Dem talk say dem no ever get am.
Email, SMS and paper no ever build to prove anything. To send dey cheap, but to deny dey free: when customer argue notice, statement or demand letter, na your word against their own, and na your own get deadline.
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The SMS channel dey retire itself
Alert na ₦6 per message, and banks don dey tell customers make dem off am go free email. Since July 2026, CBN device-binding rules no dey count phone number as identity again. The channel wey you dey pay for na the one wey everybody dey leave.
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‘I never received it’
Notice wey miss, statement wey dem argue, quit notice wey enter wrong hand. NIBSS talk say na impersonation of institutions be the number one fraud style for Nigerian payments, and without proof of delivery every dispute na your word against their own, e go end with scene for the branch.
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Consent wey you no fit prove na fine wey dey wait to happen
NDPC fine MultiChoice ₦766m for processing data without consent, then open investigation for 1,369 organisations for one sweep, 795 of them na financial institutions. Audit returns dey 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 dey carry the delivery, the action wey e dey ask for, and the proof, together on one rail.
- 01
Send through one API
Choose the person, the document, and the action wey you need: read, sign, complete or consent.
- 02
We dey reach the verified person
The delivery dey resolve to their NIN-anchored Keepable, no be number wey fit don change hand.
- 03
Dem dey act for place wey dem trust
Dem go read, sign, fill the form or give consent, with no separate link or login wey dem go doubt.
- 04
Everything dey stay on the record
The delivery, the decision and the seal dey stay tie together for one verifiable record.
One integration dey cover every important delivery, and every response dey come back with proof wey go stand.
Documents, decisions and consent, on one rail.
Statements, agreements, forms and consent no be separate products. Na different things wey you fit deliver down the same trusted path.
Send a document
Send something wey the person need to receive, understand and keep.
- E include
- Statements · payslips · results · policy documents
- The person fit
- Read am, keep am, find am again
- On the record
- Sealed, you fit verify am on your own
Ask for a decision
Ask the person to sign or complete something, for the same trusted space.
- E include
- Offer letters · tenancy agreements · forms
- The person fit
- Sign or complete
- On the record
- Signed covenant, or form response
Request consent
Collect clear, sealed decision wey you fit stand behind for audit time.
- E include
- Data-sharing and processing consent, NDPC-ready
- The person fit
- Grant or decline
- On the record
- Sealed, exportable consent receipt
Proof wey go stand, without extra paperwork.
Keepable dey record who send am, when dem deliver am, and wetin happen next, as part of the delivery itself.
Read how dem secure the rail- Proof of delivery
- Every item dey go verified identity and dem seal am the moment e land. Your system dey collect delivery event; your dashboard dey show delivery and open rates. The dispute go end for the evidence, no be for refund.
- Signatures wey dey hold
- Every signature dey recorded with trail wey go show if person touch am, and the signed covenant come back as PAdES-signed PDF: advanced electronic signature with trusted timestamp, wey Nigeria Evidence Act dey recognise and wey you fit verify on your own. Signature wey person give here hard to deny.
- Consent on record
- Every consent decision dey sealed with im lawful basis, and e dey export into Nigerian compliance audit return.
- Reach without the paper
- No printing, no ₦3,000 dispatch runs, no branch queue. One integration dey replace the whole thing, one delivery at a time or in 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 wetin matter, and prove am.
Banks, insurers, employers, hospitals, courts and government agencies dey reach verified people through one integration, and keep the proof. You dey pay per delivery to verified person, no be per attempt, and your first deliveries na on us. Tell us wetin you need to send.
You prefer make person talk to you? Talk to our team