Fraud + Credit intelligence for Africa

Stop fraud. Score credit.
Built for Africa.✳

The localized engine that detects fraud before it happens and now scores the creditworthiness of Nigerians in the diaspora — so banks and lenders can verify applicants anywhere in the world.

Request a Credit Report Explore the Fraud Engine
Applicants verified
142,000+
98% identity match accuracy
Report generated in < 8s
Avg. Scrub Score
724
Search
6
Main Joe Admin

Dashboard

Blocked Fraudulent Transactions
$5.24M
8.5% Up from yesterday
High-Risk Transactions Identified
10293
1.3% Up from past week
Legitimate Transactions Approved
76.4%
4.3% Down from yesterday
Suspicious Activity Alerts
2040
1.8% Up from yesterday
Fraud Trends Over Time October

Plugs into the rails lenders & fintechs already run on

New · For Lenders & Banks

Diaspora Credit Reports ✳

Millions of Nigerians abroad want loans, mortgages and facilities back home — but they're invisible to traditional underwriting. Scrub turns a BVN into a verified, fraud-screened credit profile so you can say yes with confidence.

Request

How it works

From BVN to decision in three steps

STEP 01

Submit the applicant

Enter the applicant's BVN and basic details — from your dashboard or directly through the Scrub API.

STEP 02

Scrub verifies & scores

We match identity, pull licensed bureau data, run fraud models and compute the Scrub Score in seconds.

STEP 03

Decision with confidence

Receive a lender-grade report with repayment history, facilities and affordability to back every approval.

Inside every report

Everything underwriting needs

The Scrub Score

A single 300–850 creditworthiness score, fraud-screened and explainable — not a self-reported guess.

Loan & repayment history

Month-by-month repayment behavior across every reporting facility, with defaults and depth of history.

Active facilities & debts

A live view of open loans, credit lines and balances across Nigerian lenders and fintechs.

Affordability assessment

Diaspora-adjusted income vs. obligations and debt-to-income headroom for new credit.

Identity verification

BVN match, government ID and liveness checks so you know the applicant is who they claim to be.

API or dashboard

Pull a full report inside your underwriting flow, or review it in the Scrub dashboard — your call.

0M+
Nigerians in the diaspora
0s
Avg. report turnaround
0%
Identity match accuracy
0/7
API availability

Verifying applicants from anywhere your diaspora customers live

🇬🇧 United Kingdom 🇺🇸 United States 🇨🇦 Canada 🇦🇪 UAE 🇩🇪 Germany 🇸🇦 Saudi Arabia 🇿🇦 South Africa + global

The Fraud Engine

Fraud prevention that adapts and evolves

AI-Powered Risk Detection

Continuously analyzes transactions and user behavior to spot anomalies before they cost you.

Real-Time Fraud Prevention

Instantly flags suspicious activity and blocks fraudulent transactions in under 200ms.

Customizable Security Rules

Define fraud thresholds and automate decision-making with risk-based policies.

Device Fingerprinting & Behavior

Track devices, IP addresses and user behavior to identify fraud patterns across markets.

See it on credit reports
Fraud Prevention Expert

FAQ

Frequently
Asked
Questions

What is a Scrub Diaspora Credit Report?+

A lender-grade credit profile that consolidates a Nigerian applicant's BVN-linked credit history, active facilities, repayment behavior and an affordability assessment into a single verifiable Scrub Score — built specifically for verifying applicants living abroad.

Who is it for?+

Banks, mortgage lenders, microfinance and fintech underwriters who need to verify and assess Nigerian applicants in the diaspora before extending credit, a facility, or a back-home mortgage.

How does Scrub verify a diaspora applicant?+

We match BVN and government identity, pull licensed credit-bureau data, and layer our localized fraud models on top — so you get an identity-verified, fraud-screened report rather than self-reported figures.

How current is the data?+

Reports are generated on demand and reflect the latest bureau and facility data available, with active balances and repayment status refreshed at pull time.

Can I get reports via API?+

Yes. Everything available in the dashboard is available through the Scrub API, so you can request a Diaspora Credit Report inside your own underwriting flow.

Lend to the diaspora with confidence ✳

Give your underwriters an identity-verified, fraud-screened credit report on every Nigerian applicant abroad. Faster decisions, lower default risk.

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