Twalle turns raw network signals from Nigerian telecom operators into real-time identity risk intelligence — so your fraud stack knows when a phone number can be trusted.
Nigeria's banking system relies on SMS OTPs and USSD authentication designed for access, not fraud resistance.
Criminals exploit recycled numbers and real-time OTP interception to drain accounts. Existing SIM swap notification systems have near-zero adoption among fintechs.
Telco risk data exists inside MTN and Airtel's networks but is locked behind enterprise contracts. There is no developer-friendly way to query it.
No single API covers all Nigerian networks. Businesses are forced to build separate integrations per operator, with inconsistent data quality across each.
A single POST request with an MSISDN and your API key. We handle the rest.
Twalle queries MTN and Airtel's network intelligence APIs simultaneously — SIM swap status, recycle detection, number verification, and blacklist checks.
Signals are normalised, weighted by our risk engine, and returned as a single actionable score.
A score from 0–100, a risk level, a recommendation (allow / step_up_auth / block), and per-signal reason codes for your audit trail.
{ "request_id": "twalle_req_01J4KM", "msisdn": "+2348031234567", "network": "MTN Nigeria", "risk": { "score": 87, "level": "high", "confidence": 0.91, "decision": "step_up_auth", "reason_codes": [ { "code": "SIM_SWAP_RECENT", "severity": "high", "description": "SIM swap within 91 hours" } ] }, "signals": { "sim_swap": { "detected": true, "confidence": 0.94, "last_event_hours": 91 }, "sim_recycled": { "detected": false, "confidence": 0.80 }, "number_active": true, "blacklisted": false }, "meta": { "response_time_ms": 512, "cache_hit": false, "api_version": "v1" } }
Start with one signal. Expand as your risk programme matures.
Real-time SIM swap detection, recycle verification, and number validation — sourced directly from MTN Nigeria's network intelligence layer.
Airtel Nigeria signal coverage added to SIM Risk API. Combined, MTN and Airtel represent over 65% of Nigerian subscribers.
Twalle will extend coverage to Glo and 9mobile — giving you a single API for every Nigerian subscriber.
Our scoring methodology is informed by industry standards and regulatory frameworks.
Risk scoring informed by industry frameworks and Nigerian financial services regulatory guidance.
Registered with Nigeria's Data Protection Commission. Full DPA template provided. Data residency in Nigeria.
Our risk engine methodology, signal weights, validation dataset, and known limitations are documented and available to enterprise customers.