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Vida AI
An AI credit decisioning platform for African banks, lenders, and merchants, offering instant approvals, KYC/KYB verification, bank statement analysis, and repayment collections.
Vida AI Product Overview
Is Vida AI Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian banks
- Digital lenders
What It Does Well
- Instant credit decisions
- Kyc and kyb checks
Things to Check
- Nigeria coverage only
- Data sources supported
About Vida AI
Vida AI is an AI-powered credit decisioning platform for African banks, lenders, merchants, and institutions that need faster eligibility checks, identity verification, and repayment collection for lending and Buy Now, Pay Later (BNPL).
Key capabilities include:
- Instant credit decisions using bank statement analysis and alternative data to generate credit profiles and eligibility assessments.
- Identity verification and fraud prevention, including KYC and KYB checks that cross-check customer details across multiple data sources.
- Repayment collection channels that support payroll deductions and direct debit mandates, plus the ability to request additional payment methods.
- Operational tooling for teams, such as custom credit profile validation links for walk-in onboarding, downloadable/printable bank statements and credit profiles, team access for field agents and members, comprehensive audit logs, and an AI-powered CRO (credit risk officer) Co-Pilot for decision support.
Available on Web with API access for integration into existing lending, merchant checkout, and risk workflows.
Built for B2B teams across banks, microfinance institutions, cooperative societies, merchants, solar and asset financiers, government agencies (grant verification), employers (pre-employment background checks), and consulates (visa application verification).
Notably, it positions itself as a decision engine, not a credit bureau, combining multiple data sources with AI to support credit assessment and verification across African markets.
Vida AI 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
Variable pricingPricing varies by model: Credit Profiling Fee: ₦6,000 or 1 validation token (₦6,000). Origination Fee: 3.5% of loan originated / 3.5% of the principal (by Vida only) or No charge. Collection Fee: 1.5% of repayment collected or 1.5% of collections on all instalments and settlements or 3.5% of repayment collected or 1.5% of repayment collected (Charged by payment collection partner). Address Verification: 1 validation token (₦6,000); tokens expire after 3 months.
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Frequently Asked Questions About Vida AI
Vida AI is an AI-powered credit decisioning platform for African banks, lenders, merchants, and other institutions that need faster eligibility checks, identity verification, and repayment collections. It works by analyzing bank statements and alternative data to generate credit profiles, then uses AI-driven decision rules to give instant credit approvals while also handling KYC/KYB checks and repayment setup via channels like payroll deductions and direct debit mandates.
Vida AI is a paid platform with plan-based pricing for businesses, but specific prices are not publicly listed. You will need to contact the team or start the signup process to discuss the plan that fits your organization.
Vida AI is built specifically for the African market and positions itself as an AI credit decisioning solution for Africa. It does not publicly list individual countries, so you should contact the team if you need confirmation for a specific country.
To sign up for Vida AI, go to the signup page at app.askvida.ai/signup, create an account, and complete the onboarding steps. Business users such as lenders are asked to provide details like email, phone number, and corporate documents (for example CAC documents and Form 7 or Status Report) before accessing the dashboard.
Vida AI is available on the web and via API. There is no verified information that it offers a dedicated mobile app for Android or iOS, so you should assume it is web based unless the team confirms otherwise.
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