Built on regulated rails with full KYB verification, AML screening, transaction monitoring, and bank-grade encryption across every corridor.
Every business client undergoes comprehensive Know Your Business verification before gaining access to NiyoGate’s infrastructure. Our automated AML pipeline screens every transaction against global sanctions lists, PEP databases, and adverse media sources in real time.
We maintain ongoing due diligence with periodic re-verification cycles, ensuring continuous compliance as your business scales.
Our rule-based monitoring engine analyzes every transaction for anomalous patterns, velocity abuse, and suspicious activity. Configurable thresholds allow platform-level controls while maintaining regulatory standards.
Flagged cases are reviewed by our compliance team within SLA. Complete audit trails are maintained for every transaction.
We operate through licensed banking and payment institution partners in every corridor. In India, through RBI-regulated entities. In Kenya, through CBK-licensed partners. In UAE, through CBUAE-regulated banks.
This ensures every payout is processed through fully authorized channels with appropriate oversight and consumer protections.
All data is encrypted at rest using AES-256 and in transit using TLS 1.3. API authentication uses scoped tokens with IP whitelisting. Personally identifiable information is tokenized and stored in isolated vaults.
We undergo annual SOC 2 Type II audits and quarterly penetration testing by independent security firms.
Industry-standard certifications and security protocols protecting every transaction.
Know Your Business verification on every client before API access
Anti-money laundering screening on all transactions in real time
Annual Type II audit by independent security assessment firm
End-to-end encryption for all API calls and data transmission
Every client and every transaction goes through a structured compliance pipeline designed for speed without sacrificing thoroughness.
Full KYB verification including corporate registration validation, beneficial ownership identification, sanctions screening, and source of funds assessment before API access is granted.
Every payout is screened in real time against global sanctions lists, PEP databases, and adverse media. Flagged transactions are routed to our compliance team for manual review within SLA.
Continuous transaction pattern analysis, velocity monitoring, and periodic client re-verification. Our rule engine adapts to emerging risk patterns across corridors.
Data security is embedded into every layer of our infrastructure. From API authentication to data storage, we implement defense-in-depth with multiple overlapping security controls to protect sensitive financial and personal information.
All personally identifiable information (PII) is tokenized at the point of ingestion and stored in isolated, encrypted vaults. Production systems are segmented from development environments with no data crossover.
AES-256 encryption for all data stored in databases, object stores, and backup systems.
TLS 1.3 mandatory for all API endpoints and internal service communication.
Annual third-party audit covering security, availability, and confidentiality controls.
Quarterly security assessments by independent firms with full remediation tracking.
We operate through regulated financial institutions in each market, ensuring full legal compliance and consumer protection.
Reserve Bank of India regulated banking partners for all INR disbursements
Central Bank of UAE regulated partners for AED settlement and local transfers
Central Bank of Kenya licensed institutions for KES and M-Pesa disbursement
Central Bank of Nigeria regulated partners for Naira settlement via NIP and bank transfer