Guild gives partners a verified identity, a real reliability score, and direct distribution to millions of workers, traders, and small businesses across Nigeria — over phone, text, and the web.
Every Guild user is verified against BVN, NIN, and phone. Pull a clean identity into your stack with one call.
BVN + NIN verification, refreshed on schedule
Liveness and device signals built in
NDPR-aligned consent, on the record
Open a real account for every Guild worker and trader. Use their reliability score to price overdrafts, credit cards, and savings without the usual paperwork.
Move beyond paper books. Plug into verified earners with a track record, and grow your book without growing your default rate.
API-first underwriting on the population that big bureaus miss. Sandbox in forty-eight hours, no minimum volume to start.
Distribute cash transfers, training grants, and insurance to verified informal-sector workers. Proof of delivery built in, audit trail at the row level.
No twelve-week procurement cycle. No mandatory minimums. We move the way fintech teams already move — sandbox first, prove the numbers, then scale.
Send a short note about your product and which Guild rails you want to plug into. We reply within one business day.
We hand you sandbox keys, sample payloads, and a Postman collection. Build against real shapes, not a slideshow.
Start with a small cohort. We watch the funnel together, fix what bends, then open the taps when both sides are happy.
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Every Guild user is verified against BVN, NIN, and a live device — before they ever see your product. Skip the form, keep the regulator happy.
BVN, NIN, phone, and liveness on file
Consent receipts written to an immutable log
Refresh on a schedule you control
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98%
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Standing scores update every day from confirmed jobs, on-time pay, attendance, and savings behaviour. Reason codes ship in the same payload, so your model can lean on them.
Live score, 300 to 850, with reason codes
Cohort loss rates published quarterly
Webhook on score moves above a threshold
One call gives you a verified identity, a live reliability score, affordability, and reason codes. Build the loan decision around it.
{ "phone": "+2348109148611", "identity": { "bvn_match": true, "nin_match": true }, "score": { "value": 742, "band": "reliable", "reason_codes": ["on_time_pay", "job_streak"], "updated_at": "2026-05-15T08:42:11Z" }, "affordability_ngn": 180000}Clean REST endpoints, signed webhooks, and SDK snippets for Node, Python, Go, PHP, Java, and Flutter. No proprietary protocol to learn.
Real shapes, real signed webhooks, real failure modes. No 'coming soon' endpoints in the docs.
Score moves, escrow releases, KYC refreshes — every state change ships as an HMAC-signed webhook your stack can trust.
We treat informal-sector data the way the strictest regulator would. Consent on the record, deletion on request, residency in Nigeria.
Field-level encryption on every personal record. Keys rotate on a schedule, audits run on every release, secrets never touch a laptop.
PCI-aligned wallet rails, signed webhooks on every event, idempotency keys on every mutation. Built like the systems you already trust.
Guild meets a worker on a feature phone in Yola the same way it meets a trader on a smartphone in Lagos. Pick the channels you need; we keep them in sync.
SMS
Two-way, five languages
Voice
IVR in pidgin, yoruba, hausa, igbo, english
Official Business API templates
USSD
Shortcodes for any phone
Web
Dashboards for ops and supervisors
“We turned on Guild identity in a week. Three months in, our origination cost on the informal-sector book dropped by more than half.”
Lending team
Tier-1 commercial bank
“The reliability score gave us something to actually underwrite against. We finally have a price for a customer the bureaus could not see.”
Credit lead
Microfinance bank, Lagos
“We disbursed a training stipend to four thousand workers through Guild. Confirmed receipt on every naira, ready for the funder audit.”
Programme director
Development organisation
Tell us about your product and which Guild rails you want to plug into. We reply within one business day.
partnerships@guild.com.ng