Getting Started
Introduction
Scrub is your gateway to real-time identity verification, transaction fraud analysis, credit reporting, and account risk scoring — built for the Nigerian financial ecosystem.
Our API helps fintechs, banks, and payment platforms detect and prevent fraud with reliable, fast, and secure endpoints.
🔐
Verify Identity
Validate BVN and NIN during onboarding with NIBSS and NIMC-backed checks.
🛡️
Detect Fraud
Score transactions in real time using velocity, device, and network graph signals.
📊
Credit Reporting
Pull credit scores and full bureau reports from CRC and FirstCentral.
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Webhooks
Receive async alerts for fraud events, credit report readiness, and score changes.
API host
All requests are JSON over HTTPS. Scrub serves two environments — items cannot be moved between them.
Authentication
Include your API key or JWT access token in every request:
Authorization: Bearer YOUR_API_KEY Content-Type: application/jsonhttp
Every response includes a request_id. Include it when contacting support — similar to Plaid's request tracing.
Rate limits
| Tier | Limit |
|---|---|
| Sandbox | 100 requests/hour |
| Production (Free) | 50 requests/hour |
| Enterprise | 10,000 requests/day |
Response headers: X-RateLimit-Limit, X-RateLimit-Remaining, X-RateLimit-Reset.
Use cases
- Fintechs — KYC during onboarding, loan underwriting with credit scores
- Banks — Real-time transaction screening and watchlist checks
- E-commerce — Device fingerprinting and velocity checks at checkout
- Regulators — Network-wide fraud reporting and pattern matching