API reference

KYC

Three-tier identity verification.

Overview

Century runs a strictly sequential ladder: Tier 1 face liveness, Tier 2 NIN, Tier 3 bank account + ID document. A tier cannot be submitted until the previous tier is approved. Uploads are stored privately and only ever returned as short-lived signed URLs.

Tier 1 unlocks transactions; Tier 2 unlocks wallet transfers and dedicated virtual accounts.
Submission responses never include provider payloads, BVNs or raw document data.
Approval states: pending, approved, rejected. Rejections carry a human-readable reason only.

Not implemented

Do not build against these

Third-party KYC provider passthrough
Bulk verification

Endpoints

5 operations available to your account.

submitNinKyc

Bearer token required

Submit Tier 2 (NIN).

Endpoint

POST/_serverFn/submitNinKyc

Request body

Field	Type	Required
nin	string	Yes
slipPath	string	Yes
fullName	string	No

Response codes

401	Unauthorized – missing or invalid bearer token.
400	Validation failed – input did not match the schema.
429	Rate limited – slow down and retry.
500	Server error – reported and logged with an error ID.

curl -X POST https://centuryvtu.com/_serverFn/submitNinKyc \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: $(uuidgen)" \
  -d '{"data":{"nin":"string","slipPath":"string","fullName":"string"}}'

Example response

{ ok: true }

submitBankKyc

Bearer token required

Submit Tier 1 (address, photo, utility bill, bank).

Endpoint

POST/_serverFn/submitBankKyc

Response codes

401	Unauthorized – missing or invalid bearer token.
400	Validation failed – input did not match the schema.
429	Rate limited – slow down and retry.
500	Server error – reported and logged with an error ID.

curl -X POST https://centuryvtu.com/_serverFn/submitBankKyc \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: $(uuidgen)" \
  -d '{}'

submitTier3Kyc

Bearer token required

Submit Tier 3 (liveness frames, admin-reviewed).

Endpoint

POST/_serverFn/submitTier3Kyc

Response codes

401	Unauthorized – missing or invalid bearer token.
400	Validation failed – input did not match the schema.
429	Rate limited – slow down and retry.
500	Server error – reported and logged with an error ID.

curl -X POST https://centuryvtu.com/_serverFn/submitTier3Kyc \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: $(uuidgen)" \
  -d '{}'

getKycFileUrl

Bearer token required

Signed URL for a KYC upload.

Endpoint

POST/_serverFn/getKycFileUrl

Request body

Field	Type	Required
path	string	Yes

Response codes

401	Unauthorized – missing or invalid bearer token.
400	Validation failed – input did not match the schema.
429	Rate limited – slow down and retry.
500	Server error – reported and logged with an error ID.

curl -X POST https://centuryvtu.com/_serverFn/getKycFileUrl \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -H "Idempotency-Key: $(uuidgen)" \
  -d '{"data":{"path":"string"}}'

Example response

{ ok: true }

listBanks

Bearer token required

List Nigerian banks.

Endpoint

GET/_serverFn/listBanks

Response codes

401	Unauthorized – missing or invalid bearer token.
400	Validation failed – input did not match the schema.
429	Rate limited – slow down and retry.
500	Server error – reported and logged with an error ID.

curl -X GET https://centuryvtu.com/_serverFn/listBanks \
  -H "Authorization: Bearer YOUR_ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -G

Runs against Production using your own signed-in session. No shared or secret credential is used.