Serene × Veneka — Agent Onboarding e-KYC

Step 1 · Capture the customer's Ghana Card

The card is scanned on the device. The image is read once, then destroyed — nothing is stored, nothing leaves the phone. This answers the trust concern: no one keeps a photo of your card.

🔒 Image purged
Only verified text retained

Upload a different card image

Specimen shown — fictitious data, marked SPECIMEN. Never a real cardholder.

Show raw OCR output (proof it's real, not scripted)

Step 2 · Extracted details — locked

Fields auto-fill from the card, so the agent never re-types them. Once captured they are locked: the Ghana Card number and identity fields cannot be altered without a maker-checker approval — no silent edits, full audit trail.

Surname—🔒

Firstnames—🔒

Ghana Card Number (PIN)—🔒

Date of Birth—🔒

Sex—🔒

Date of Expiry—🔒

Tamper-proof Any change to these fields raises a maker-checker request. The captured card image has already been destroyed.

Step 3 · Customer, vehicle & cover

Identity is captured. Now the policy details the agent still needs — contact, vehicle and cover. Prefilled here for the demo; all editable. Indicative premium updates live off Ghana motor tariffs.

Contact

Mobile (MoMo) Ghana Post GPS Occupation

Vehicle

Registration No. Make Model Year Use Cubic capacity (cc) Seats Colour Estimated value (GHS)

Cover

Cover type Start date Term

Indicative annual premium (demo estimate — Ghana motor tariff basis)

GHS 9,000

No premium, no cover — on bind, a MoMo prompt collects the premium; cover activates the moment payment confirms.

Document verification optional

The same on-device engine, applied to any document that used to need a physical original — vehicle registration, roadworthy, DVLA. Read, verified, discarded. Consumable by your chatbot so customers self-submit remotely.

Attach a document to verify

Step 4 · Liveness + NIA IVSP verification

Now we prove the person is real and is the cardholder. A live selfie with liveness detection (not a photo of a photo) plus the Ghana Card number go to NIA's IVSP (Identity Verification System Platform), which returns a match / no-match against the National Identity Register. Biometric verification is mandatory under L.I. 2523 (July 2026) — a card scan is no longer sufficient. IVSP response simulated; live use requires NIA IVSP onboarding.

👤
Live selfie

Genuine holder Same card, different face (fraud)

✅ Customer onboarded — verified at capture

What just happened, and why it matters for Serene:

Fraud killed at the point of capture — not caught days later at NIC sticker upload.
No card image retained — L.I. 2523 (2026) restricts scanning/retaining the Ghana Card; Act 843 requires data-minimisation. We keep only verified text.
Identity fields locked — maker-checker on any change; full audit trail.
NIA IVSP biometric verification — mandatory since ~16 July 2026; a card scan alone is no longer sufficient. Done before cover is written.