Primary
Domestic APP fraud defence
Everyday Nigerians tricked via WhatsApp, USSD, fake investments
Buyer: Banks, MFBs, MMOs, PSPs
CBN fit: Fraud prevention & real-time risk · CBN APP Fraud Exposure Draft
AbeShield never moves customer money and never holds or custodies funds. Hold/freeze outputs are advice to the licensed partner institution only.
Applicant · CBN Regulatory Sandbox Cohort 2 · Non-VASP track
APP fraud defence and small-FI AML — for officers, not another wallet.
AbeShield is the officer-in-the-loop layer for licensed institutions: WhatsApp APP case files, mule/structuring monitoring for MFBs, hold/freeze advice to the partner — with consent and an audit chain CBN can read. Credit and remittance are supporting modules only.
Lead: domestic APP · small-FI AML. Caps: 50 users · ₦500,000 / txn · 90-day window.
Lead modules
Application and sales narrative lead here — officer workflows for regulated pain.
Primary
Small-FI AML automation pack
Customers of institutions that cannot afford bank-grade Actimize stacks
Buyer: MFBs, PSSPs, IMTOs facing CBN Baseline AML Standards (2026–2028)
CBN fit: Circular BSD/DIR/PUB/LAB/019/002 — automated AML + human oversight
Supporting modules
Supporting
Consent-based credit affordability
Informal workers and MSMEs without classic payslips
Supporting
Remittance corridor wedge
Receiving families — fewer mule sweeps after inbound support
Permission before processing
NDPR consent with purpose limitation. No ledger read without an active grant.
Explainable multi-agent risk
Rules score APP and AML patterns; LLM only narrates. Failover to a deterministic engine.
Human-in-the-loop gates
High-risk APP or mule signals pause for a compliance officer with a written rationale.
Immutable audit chain
Every agent step, hold advice, and officer decision is hashed and exportable.
APP cases + AML packs
Case refs, investigate/reimburse SLA clocks, STR drafts that never auto-file to NFIU.
Advice — not the rails
AbeShield never moves customer money and never holds or custodies funds. Hold/freeze outputs are advice to the licensed partner institution only.