For Regulators and Supervisors
Built to be examined.
Gobanimo Microfinance separates automated recommendation from human decision. Sharia review, consent, AML/CFT, and human approval are mandatory — and every action is logged to an append-only trail.
Control Pillars
Four lines of defence.
Independent, enforced controls that govern every facility from application to disbursement.
Sharia
No riba, no fixed-return language, no penalty interest, no silent loss transfer.
Ledger
Append-only trail; reversals are new postings, money movement is idempotent and human-approved.
Data
PII firewall — raw personal data stays out of prompts, logs, traces, and analytics.
Identity
KYC, sanctions screening, and role-based access control on every applicant and operator.
Compliance Framework
Regulator-ready from day one.
Financial crime
- AML/CFT program with risk-based monitoring
- KYC and customer due diligence at onboarding
- Sanctions and watchlist screening, refreshed
- Suspicious activity escalation and reporting
Data and accountability
- Data privacy controls and consent capture
- Role-based access control and segregation of duties
- Full audit trail across decisions and money movement
- Human accountability for every approval
Engagement
How we work with supervisors.
Sandbox and dialogue
We engage regulators early via sandbox or supervised pilot before scaling.
Reporting access
Supervisors receive portfolio, AML, and exception reporting with traceable evidence.
Audit on demand
The append-only ledger and decision log are available for examination at any time.
Reviewing Gobanimo Microfinance?
Request the full compliance evidence pack and a walkthrough with our team.