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Scrub.io
A fraud and credit intelligence platform that helps African banks and fintech lenders verify identity, stop fraud, and generate diaspora credit reports via web dashboard or API.
Scrub.io Product Overview
Is Scrub.io Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian lenders
- Banks and fintechs
What It Does Well
- Identity checks for lending
- Real-time fraud detection
Things to Check
- Diaspora report coverage
- Data sources used
About Scrub.io
Scrub.io is a fraud and credit intelligence platform for Africa that helps banks, lenders, and fintechs verify identity, prevent fraud, and assess the creditworthiness of Nigerian applicants living abroad in real time.
Key capabilities include:
- Diaspora Credit Reports that turn a Nigerian applicant’s BVN into an identity-verified, fraud-screened credit profile, including repayment history, active facilities, and affordability indicators.
- An explainable Scrub Score (300–850) that consolidates signals such as repayment behavior, exposure, facility mix and age, and identity and fraud signals.
- A Fraud Detection Engine that applies AI-powered risk detection, device fingerprinting and behavioral analysis, and custom rules and policies to flag suspicious activity.
- Real-time fraud prevention that can block fraudulent transactions in under 200 ms, with a dashboard for fraud insights, alerts, and trends.
Available via Web dashboard and API (public documentation at docs.usescrub.io).
It targets banks, mortgage lenders, microfinance institutions, and fintech underwriters that need to verify and score Nigerian and African customers, including diaspora applicants in markets such as the UK, US, Canada, UAE, Germany, Saudi Arabia, and South Africa.
Notable in the African context, it focuses on localized fraud signals and diaspora underwriting, addressing cases where applicants can be difficult to assess through traditional credit processes. The site also cites 142,000+ applicants verified, 98% identity match accuracy, and report generation in under 8 seconds.
Scrub.io Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Pricing & Fees
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Frequently Asked Questions About Scrub.io
Scrub.io is a fraud and credit intelligence platform for Africa that helps banks and lenders verify identity, prevent fraud, and generate lender-grade diaspora credit reports for Nigerian applicants in real time. It works via a web dashboard and API, using BVN-linked data, AI-powered fraud detection, device and behavior analysis, and an explainable Scrub Score to support underwriting and transaction decisions.
Scrub.io is focused on Nigerian applicants and African financial systems, with verification and diaspora credit support for Nigerians living in countries such as the United Kingdom, United States, Canada, UAE, Germany, Saudi Arabia, South Africa, and other global locations. The core lending and credit data it uses is tied to Nigerian BVN and Nigerian lenders and fintechs.
You can get started with Scrub.io by reaching out to their team to set up access to the web dashboard and API for your institution. Typical next steps are to contact sales to discuss your use case, then implement the API or dashboard in your underwriting or fraud workflows.
Scrub.io is available as a web dashboard and API, and there is no mention of a dedicated mobile app for iOS or Android. You can access the platform through a web browser and integrate it into your own systems via API.
Scrub.io is best suited for banks, mortgage lenders, microfinance institutions, and fintech lenders or underwriters that need to verify identity, detect fraud, and assess creditworthiness for Nigerian and African customers, especially Nigerians in the diaspora. It is particularly useful for institutions that struggle to underwrite applicants who are not well covered by traditional credit bureaus.
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