Question 1

What is Scrub.io and how does it work?

Accepted Answer

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.

Question 2

What countries does Scrub.io operate in?

Accepted Answer

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.

Question 3

How do I sign up for Scrub.io?

Accepted Answer

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.

Question 4

Does Scrub.io have a mobile app?

Accepted Answer

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.

Question 5

Who is Scrub.io best suited for?

Accepted Answer

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.

Question 6

How do I contact Scrub.io support?

Accepted Answer

You can contact Scrub.io support by emailing sales@usescrub.io or contact@scrub.io. Business users can also reach out to these addresses to discuss onboarding, technical questions, or account-related issues.

Question 7

Does Scrub.io have a plan for teams or businesses?

Accepted Answer

Yes, Scrub.io is designed for institutional use and offers plans suitable for teams and businesses such as banks, lenders, and fintechs. Access is provided via organization accounts that use the shared web dashboard and API within their underwriting and fraud operations.

Question 8

Does Scrub.io offer an API or integrations?

Accepted Answer

Yes, Scrub.io offers an API that lets you request diaspora credit reports and fraud intelligence directly within your own systems, with public documentation available at docs.usescrub.io. It is built to integrate into lenders’ and fintechs’ existing underwriting and transaction flows rather than as a standalone consumer tool.

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