Trust shouldn't be based on Words, it should be Proven.

A hyper-performant AI verification engine that detects fraud and verifies proof of liveness.
Identity verified. Risk scored. Money moved — only when AI clears it

Why this exists

The Fundamental Trust Gap

Today's digital marketplaces suffer from one core issue. Platforms have solved the payment rails, but they assume trust. Vendors disappear after taking money. Buyers chargeback after receiving work. The result? Money moves, but trust is lost.

  • The Ghost VendorA buyer pays ₦150k to an Instagram vendor. The vendor disappears. No product. No refund. No recourse.
  • The Disappearing BuyerA freelancer delivers a finished site. The client claims it does not meet requirements and vanishes.
  • No Proof of Good Faith"We have DMs" isn't the same as a programmatic escrow that holds funds until obligations are met.
// transaction_state.json — dispute filed
vendor_id→ null (unverified)
payment_status→ "COMPLETED"
item_delivered→ false
escalation→ active
refund_method→ undefined
💀 Transaction state: LOST
The fix

Trust as Infrastructure.

Vouch uses AI-powered fraud analysis, identity verification, and Nomba APIs to make trust a first-class requirement. We score risk, verify who you are, and securely hold funds until everyone is happy.

  • Identity verified — real-time liveness checks & face matching
  • AI Fraud Engine — intercepts suspicious transactions before they process
  • Nomba Virtual Accounts — autonomous escrow holding until transaction validates
  • Automated Refunds — disputes route via AI & release logic without human bottlenecks
VouchReceiptverified
"tx_id": "vouch_91x...44c1"
"seller": "verified_vendor"
"fraudRisk": "0.02"
"escrow": "LOCKED"
"amount": ₦ 150,000
"conditions": "fulfilled"
"release": "COMPLETED"
Identity Verification

Identity Verification

Verify users reliably before they join any agreement using robust computer vision, identity document validation, and AI liveness detection.

Fraud Detection

Fraud Detection Engine

Score transaction risk instantly. Our AI analyzes behavioral signals, device fingerprints, and payment context before any money moves.

Escrow & Nomba Rails

Escrow & Nomba Rails

Secure funds automatically using Nomba virtual accounts. Disbursements are strictly gated by AI risk clearance and confirmed deliveries.

How it works — four flows, one API
01

The Identity Layer

Verify the person before they can join any agreement. We match government IDs with live selfies using computer vision. No deepfakes, no ghost vendors.

identity.ts
const result = await sdk.identity.verify({
document: '"passport_front.jpg"',
selfieImage: streamData
});
// Returns:
// "match_score": 98.5
// "liveness": true
// "status": "VERIFIED"
fraud.ts
// Pre-payment risk assessment
const risk = await sdk.fraud.assessStatus({
buyerId: '"usr_9x..."',
vendorId: '"ven_4a..."',
amount: 150000
});
// Engine evaluates context:
✓ IP Reputation checked
✓ Behavioral anomalies cleared
// riskScore: 0.02, decision: "GREEN"
02

The Fraud Engine

Our AI scores the transaction risk in real-time. It actively analyzes network signals, IP reputation, and behavioral anomalies before Nomba is ever called.

03

Escrow via Nomba Rails

A secure Nomba Virtual Account is generated exclusively for the agreement. The buyer pays into this escrow, so money never moves directly to an untrusted vendor.

Funds firmly locked. Vendor sees confirmation but cannot access cash.
Real-time webhook sync guarantees instant UI updates.
Webhook data loops back into fraud engine for context.
escrow.ts
// Generate vault when agreement starts
const vault = await sdk.escrow.createVault({
agreementId: '"ag_77b2"'
});
// Nomba API returns:
// "virtualAccount": "9922334455"
// "bankName": "GTBank"
// "status": "AWAITING_FUNDS"
⚠ Waiting on buyer transfer...
release.ts
// Buyer confirms receipt. Run final check.
const tx = await sdk.escrow.disburse({
agreementId: '"ag_77b2"',
amount: 150000
});
✓ Generating Nomba Checkout Link...
✓ Executing Disbursement...
// Returns Nomba Audit Record:
// "txRef": "NMB_abc123"
// "completedAt": "2026-05-13T14:32:00Z"
04

AI-Cleared Disbursement

After delivery confirmation and a final fraud check, funds are autonomously disbursed using a Nomba Checkout Link. Every release is an immutable audit record tied to a real transaction hash.

Integrate with ease.

Our powerful SDK allows you to verify identity and detect fraud with just a few lines of code. Plug it directly into your existing infrastructure and start securing your platform instantly.

agent.ts

import { Vouch } from '@vouch/sdk';
const vouch = new Vouch({
  apiKey: 'vo_live_123456789'
});
// Assess fraud risk instantly
const riskResult = await vouch.fraud.assess({
  deviceId: fingerprint,
  ipAddress: '192.168.1.1'
});
if (riskResult.score > 0.8) {
  blockTransaction();
}

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Frequently Asked Questions