Institutional Beta: prepared for Dive for Institutions
A structural preview of the B2B platform. Tenants, integrations, segments, risk cases, reports and API keys below are mock previews, not live functionality. Actions here acknowledge + audit only; nothing is provisioned.
Institutional beta
Dive for Institutions
The same intelligence Dive builds for individuals (classified spend, income, recurring detection and confidence) aggregated per institution tenant and per customer segment. Prepared for banks, fintechs, MFIs and lenders.
What Dive for Institutions covers
Ten areas of the B2B platform. Tap a card for a short preview of what the module does. Most are forward-looking, marked Coming soon or Internal preview where not live.
Onboarding & pilot tasks
5 open tasks across tenants in onboarding
Verify pilot ingestion sampleIn progress
Moniepoint · Funmi Bakare · First 50k transactions ingested. Confirm labelling confidence before enabling reports.
Enable risk monitoringAwaiting tenant1 blocker
Moniepoint · Ibrahim Sanusi · Pilot wants anomaly cases switched on; awaiting scope sign-off.
Complete data integrationBlocked2 blockers
FairLend Microfinance · Funmi Bakare · FairLend sandbox connected; production ingestion pending API key rotation.
Map customer segmentsTriage
FairLend Microfinance · Ada Nwosu · Confirm 4 starter segments for the microfinance loan book.
Resume paused pilotAwaiting tenant1 blocker
Kuda · Ibrahim Sanusi · Kuda pilot paused. Chase data-sharing sign-off to re-open.
Aligned with the command-centre priority panel (5 institutional tasks). TODO(api): GET /admin/institutional/tasks.
Institutional intelligence preview
Insight-led, not generic dashboards. What changed in customer financial behaviour across the active tenant book. Every figure is illustrative.
What changed in customer financial behaviour?
More salary is leaving the bank within 48 hours
+8.4%Salary-to-wallet sweeps up across active tenants; funds moving to OPay & Kuda faster after payday.
Recurring loan-repayment detection improved
+5.1%Confirmed recurring outflows now matched with higher confidence after the labelling refresh.
Transport & fuel spend ticking up across cohorts
+3.7%Category movement shows a steady rise in transport for salary-earner segments this quarter.
Airtime / data spend flattening
±0.4%Top spend category by volume is stable month on month; no meaningful shift.
Transaction-labelling confidence
- High (≥0.8)81%
- Medium (0.5–0.8)14%
- Low (<0.5): needs review5%
Customer segments
- Salary earners184,200
- Gig / irregular income142,800
- Heavy transfer-out98,400
- Active savers76,500
- Loan repayers61,300
- Low-activity / dormant54,800
- New / unclassified100,000
Destination-bank movement· where salary lands
- OPay38%
- Kuda22%
- PalmPay14%
- Moniepoint11%
- Retained in-bank15%
Spend-category movement· share of outflow
- Food and groceries24%
- Transport17%
- Airtime and data13%
- Transfers to family12%
- Loan repayments11%
- Rent and housing9%
Risk / anomaly cases
30
Surfaced for review across active tenants, never auto-actioned.
Customers in scope
718k
Aggregated across connected tenants (mock).
Compliance-ready reports
6
Evidence-backed institutional report types.
Institutional Beta: all figures are illustrative mock aggregates. TODO(backend): the B2B segmentation, risk-monitoring and reporting pipeline is unbuilt.
6 of 6 institution tenants
| Risk monitoring | ||||
|---|---|---|---|---|
 Sterling Bank Bank | Active | On | ||
Moniepoint Fintech | Pilot | Off | ||
FairLend Microfinance Microfinance / lender | Pilot | On | ||
 Carbon Fintech | Prospect | Off | ||
 Stanbic IBTC Bank | Prospect | Off | ||
Kuda Fintech | Paused | Off |
Sterling Bank
Bank
- Stage
- Active
- Users
- 24
- Customers
- 412,000
- Data volume
- 2.4M / mo
- Integration
- Connected
- Risk monitoring
- On
Moniepoint
Fintech
- Stage
- Pilot
- Users
- 11
- Customers
- 168,000
- Data volume
- 5.1M / mo
- Integration
- Connected
- Risk monitoring
- Off
FairLend Microfinance
Microfinance / lender
- Stage
- Pilot
- Users
- 6
- Customers
- 42,500
- Data volume
- 0.6M / mo
- Integration
- Pending
- Risk monitoring
- On
Carbon
Fintech
- Stage
- Prospect
- Users
- 2
- Customers
- -
- Data volume
- -
- Integration
- Not started
- Risk monitoring
- Off
Stanbic IBTC
Bank
- Stage
- Prospect
- Users
- 1
- Customers
- -
- Data volume
- -
- Integration
- Not started
- Risk monitoring
- Off
Kuda
Fintech
- Stage
- Paused
- Users
- 4
- Customers
- 96,000
- Data volume
- 1.2M / mo
- Integration
- Pending
- Risk monitoring
- Off
Institutional Beta: prepared for Dive for Institutions. Everything here is local mock data. TODO(api): GET /admin/institutional/tenants returns the live tenant registry, entitlements and integration health.