Compliance & Trust Center

Your money, your data, your trust. We take all three seriously.

Regulatory Alignment

Central Bank of Nigeria (CBN)

We operate in full alignment with CBN guidelines for mobile money operators and payment service providers. Our KYC processes follow the tiered verification framework prescribed by the regulator.

Licensed Partners

We don't operate in regulatory grey areas. Our banking services are provided through Providus Bank (licensed by CBN). Payment services are powered by Paga (licensed PSP). Cross-border settlement is handled through regulated FX partners — we don't trade foreign exchange ourselves.

Agent Network Compliance

Every agent in our network undergoes background verification, compliance training, and regular audits. We maintain detailed records of agent activities as required by regulation.

KYC Verification Tiers

1

Tier 1 — Basic

Phone number + basic info

  • • Single transaction limit: ₦50,000
  • • Daily limit: ₦300,000
  • • Balance limit: ₦300,000
2

Tier 2 — Standard

BVN verification

  • • Single transaction limit: ₦200,000
  • • Daily limit: ₦500,000
  • • Balance limit: ₦500,000

Most common tier

3

Tier 3 — Enhanced

Full KYC + address verification

  • • Single transaction limit: ₦5,000,000
  • • No daily limit
  • • No balance limit

Data Security

We treat your data like we treat your money — with the highest level of protection and respect.

Encryption at Rest

All data encrypted using AES-256

Secure Transmission

TLS 1.3 for all communications

Regular Audits

Annual security assessments by third parties

Access Controls

Role-based access, multi-factor authentication

Your Rights

  • ✓Request a copy of your data
  • ✓Correct inaccurate information
  • ✓Delete your account and data
  • ✓Opt out of marketing communications
  • ✓File a complaint with our data protection officer

Whistleblower Channel

If you witness fraud, misconduct, or regulatory violations by any XpderGlobal employee or agent, report it confidentially. We protect whistleblowers and investigate all reports.

Report to:

compliance@xpderglobal.com

All reports are reviewed by our Compliance Officer within 48 hours.

Questions About Compliance?

Our compliance team is available to answer questions from customers, partners, and regulators.

Contact Compliance Team