KYC Policy

Effective date: 2026-07-31

Know-Your-Customer (KYC) is how Javern verifies the identity of people receiving payouts on the Platform. This policy explains what KYC we perform, when it's required, and why.

1. Why KYC

Financial regulations in Nigeria require identity verification for accounts receiving payments.
Protects Buyers from fraudulent or fake Vendors.
Protects Vendors from having their payouts blocked because we can't confirm who they are.

2. Who has to complete KYC

Vendors receiving payouts — required. Without KYC, Vendors run on the legacy pending/withdrawable balance and cannot access the Javern Wallet.
Buyers — no formal KYC required to shop.
All Users — must provide accurate account information (name, email, phone). Repeated inaccurate data can trigger a review.

3. What we verify

Vendor KYC runs through Paystack and requires:

BVN (Bank Verification Number).
Date of birth.
Legal name matching your BVN record.
Bank account details in the same name (for payouts).

4. How to complete Vendor KYC

Open the Javern Vendor app and sign in.
Go to your vendor dashboard → "Wallet" (or "Verification").
Enter your BVN and date of birth.
Complete the Paystack verification prompts.
Once verified, your Javern Wallet is activated and any existing balances migrate over.

See How do I verify my BVN? and How do I verify my identity?.

5. What we do with your KYC data

We use it to verify who you are, activate your wallet, and process payouts.
We store the BVN verification result (verified / rejected) and the linked dedicated virtual account details.
We share the necessary data with Paystack, our financial services provider, for verification and transfer.
We do not share your BVN with other Vendors, Buyers, or third parties beyond what's needed for verification and settlement.
Retention follows the Privacy Policy.

6. Failed verification

If verification fails:

Check the name and date of birth on your Javern account match your BVN records.
Check with your bank if your BVN is up to date.
Retry from the vendor dashboard.
If it still fails, contact support. See Why isn't my verification working? and Why was my application rejected?.

7. Ongoing checks

Javern may re-run identity checks:

When you change key account details (name, DOB).
If a bank account you're withdrawing to doesn't match your BVN name.
If a fraud or compliance concern arises.

Payouts may be held during re-verification.

8. Confidentiality

Only staff who need access for verification, dispute, or compliance purposes can access KYC data. Access is logged.