APIs capability

KYC & Identity API

KRA PIN and national ID verification

A single API for know-your-customer checks — KRA PIN verification, national ID validation and sanctions screening — callable from any channel or your own onboarding flow.

The outcome we sell

Onboarding in seconds: verified KRA PIN and national ID at API speed.

Measured against your baseline. You pay on the delta — not licenses, seats or hours.

Pilot it standalone

Call the API directly. Deterministic stub responses out of the box; point KRA_KYC_DRIVER=api at iTax/eCitizen when credentialed.

Every pilot ships with deterministic stub integrations — KRA, M-Pesa, WhatsApp — so you can prove the outcome before a single real credential is issued. Swap drivers in .env when you go live.

Or run the whole operation

Inside CoverOS this capability shares one customer model, one event bus and one intelligence layer with everything else — quotes trigger communications, payments drive renewals, claims feed learning. One baseline, compounding deltas.

Capabilities it compounds with

Channels

WhatsApp Access Channel

Outcome: Customers onboarded, served and paying — without a portal login or agent visit.

Core

Insurance CRM

Outcome: A book of business your team actually acts on — more renewals, fewer lost customers.

Core

Product & Quote Engine

Outcome: Products to market in days, not quarters — configuration replaces code.

We don't sell software. We build intelligent technology that produces measurable outcomes.

Name your outcome