---
title: "Usescrub: Fraud Detection in Nigeria"
description: "Verify Nigerian diaspora borrowers via BVN, get Scrub Score (300–850), and prevent fraud via API or web dashboard."
canonical_url: "https://liners.com/scrub-io"
markdown_url: "https://liners.com/scrub-io.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/usescrub/screenshot.webp?v=1788196685122"
published_at: "2026-08-31T20:20:22.722Z"
updated_at: "2026-09-01T11:43:36.369Z"
---

# Usescrub: Fraud Detection in Nigeria

Verify Nigerian diaspora borrowers via BVN, get Scrub Score (300–850), and prevent fraud via API or web dashboard.

## Breadcrumbs

- [Cybersecurity](/categories/cybersecurity)
- [Scrub.io](/scrub-io)

## Summary

Real-time fraud prevention and diaspora credit scoring for lenders

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://usescrub.io/ |
| Tagline | Real-time fraud prevention and diaspora credit scoring for lenders |
| Primary country | Nigeria |
| Platforms | Web, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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**.

## Features

- [Cybersecurity](/categories/cybersecurity): Category
- [AI-Powered](/tags/ai-powered): Product feature or technology
- [B2B](/tags/b2b): Product feature or technology
- [Credit Scoring](/tags/credit-scoring): Product feature or technology
- [KYC Provider](/tags/kyc-provider): Product feature or technology
- [Threat Detection](/tags/threat-detection): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/scrub-io/alternatives)
- [Reviews](/scrub-io/reviews)
- [Transparency](/scrub-io/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/scrub-io)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)