Become regulator-ready, institution-ready, and trust-ready.
Navigate Regulated Markets
with Confidence
Know what licences you need. Respond to regulators with confidence. Build your compliance infrastructure from day one. All in one platform.
No credit card required · Free plan available · Nigerian & African regulatory frameworks
Day 1
Week 2
Month 1
Month 3
Typical founder journey from sign-up to Regulator Ready
“African founders face a recurring, expensive gap, they do not know what they do not know.”
The compliance gap is real. And expensive.
You don't know what you don't know
Most founders discover they need a licence only after building for months, or after receiving a regulator's letter.
Regulatory letters trigger panic
A letter from SEC Nigeria, CBN, or NFIU is terrifying without context. You have 21 days and no idea what they're asking.
Compliance is manual and fragmented
AML manuals nobody follows. STRs filed late. ARIP stalled at Stage 3. Scattered documents and spreadsheets are not a compliance system.
Two engines in one platform
Knowing what to do and actually doing it are two different problems.
AI Advisory Engine
Ask any regulatory question. Get instant answers in plain English, grounded in Nigerian and African law, always with citations.
- ✓AI regulatory Q&A with citations to specific sections
- ✓Product classification engine (what licence does my product need?)
- ✓Document analyser: upload a regulator letter → get 72-hour action plan
- ✓Scenario simulator (what happens if I do X?)
- ✓Jurisdiction expansion adviser (Nigeria → Ghana/Kenya/SA)
- ✓Human escalation to vetted specialist network
Operational Engine
Turn regulatory knowledge into systematic action. Live score, smart roadmap, document generator, ARIP tracker, and regulator CRM.
- ✓Regulatory Readiness Score (0–100) across 8 dimensions
- ✓Smart Compliance Roadmap (personalised Kanban, 4 phases)
- ✓Compliance document generator (13 regulatory templates)
- ✓ARIP application tracker (5-stage process, ARIP Framework 2024)
- ✓Regulator engagement CRM (all Nigerian regulators pre-loaded)
- ✓Compliance calendar with automated deadline alerts
Everything you need to build in regulated markets
Regulatory Q&A with Citations
Ask anything. Get answers grounded in Nigerian and African law with exact section references, not generic advice.
Product Classification Engine
Describe your product. We classify it as DAX, DAOP, DAC, DAI, or Payment, and tell you exactly which regulators you need to engage.
Regulatory Letter Analyser
Upload a letter from SEC Nigeria, CBN, or NFIU. Get a plain-English summary, urgency rating, 72-hour action plan, and a draft response.
Live Readiness Score
A 0–100 gauge across 8 compliance dimensions that updates in real time as you complete tasks, upload documents, and tick off indicators.
Smart Compliance Roadmap
A personalised, phase-locked Kanban board. Complete Phase 1 to unlock Phase 2. Each task links to the specific regulatory requirement it satisfies.
Document Generator
Generate 13 regulatory documents in minutes: BWRA, AML/CFT Policy, KYC Tiers Framework, ARIP Operational Plan, Sworn Undertakings, Entity Rules, and more.
ARIP Process Tracker
Navigate the 5-stage ARIP process with stage-by-stage checklists, the 10% customer growth cap monitor, AIP restrictions tracker, and solicitor engagement workflows.
Regulator Relationship Intelligence
Go beyond knowing the rules — learn how to work with regulators. Meeting prep, jurisdiction-specific etiquette, communication templates, escalation protocols, and institutional maturity scoring.
Banking & Partner Readiness
Compliance alone does not guarantee banking access. Klarify prepares your risk profile, institutional due diligence pack, and operational transparency systems so partners say yes.
Navigate the ARIP Process with Confidence
The only compliance platform built around the SEC Nigeria ARIP Framework
- ✓13-document compliance library including ARIP Operational Plan, Sworn Undertaking, and Entity Rules
- ✓10% customer growth cap tracker — monitors AIP compliance automatically
- ✓AIP restrictions monitor — prevents accidental breach of promotional ban
- ✓11-task ARIP application roadmap — from solicitor engagement to AIP receipt
5-Stage ARIP Process
Initial Assessment
Eligibility Notification
Formal ApplicationSolicitor Required
AIP ActiveGrowth Cap Active
Transition
Regulator Relationship Intelligence
Knowing the rules is not enough. You need to know how to work with the people who enforce them.
Prepare for Your Regulator Meeting →What the Engagement Copilot gives you
Meeting Preparation
Pre-meeting briefings on regulator priorities, open enforcement actions, and institutional sensitivities
Communication Templates
Jurisdiction-specific letter templates calibrated for tone, formality, and regulatory etiquette
Response Drafting
Structured, legally neutral responses to information requests — co-operative, not combative
Engagement Timelines
Recommended sequencing: who to engage first, when, and in what order across SEC, CBN, NFIU, and NITDA
"What NOT to Say"
Common mistakes that signal non-compliance or bad faith — avoid them before you walk into the room
Institutional Maturity Scoring
How does your organisation appear to a regulator right now? Score and fix gaps before your first formal meeting
Compliance alone does not open bank accounts.
Being compliant doesn't guarantee a bank account. Klarify prepares you for the institutional due diligence that regulatory compliance alone doesn't cover.
Banking Readiness Score
Assess your profile against the risk criteria Nigerian and international correspondent banks apply to fintech and digital asset companies before opening accounts.
Institutional Due Diligence Pack
Auto-generate the documentation package that banks, payment processors, and institutional partners request — KYC, UBO register, AML policy, source-of-funds narrative.
Risk Profile Optimisation
Identify the exact flags that cause banks to decline or terminate accounts — and fix them before your application, not after rejection.
Operational Transparency Systems
Transaction monitoring documentation, audit trail architecture, and reporting infrastructure that gives partners confidence your controls are real.
The silent killer: 18 months of compliance work. Bank account still frozen. Payment processor offboarded. The compliance was real — it just wasn't designed for a bank's risk appetite.
Built for every stage of the journey
From first-time founders to institutional investors. Klarify meets you where you are.
The Pre-Launch Founder
Building a digital asset product in Nigeria. Has not yet engaged any regulator.
KLARIFY DELIVERS
Instant product classification, regulator map, step-by-step readiness roadmap.
The Post-Letter Founder
Has received a letter from SEC Nigeria, CBN, or NFIU. Does not understand it. Has 21 days to respond.
KLARIFY DELIVERS
Letter analysis, 72-hour action plan, draft response, specialist connection.
The Compliance Builder
Has clarity on what to do but lacks infrastructure to do it systematically. AML manual exists but nobody follows it. ARIP stalled at Stage 3.
KLARIFY DELIVERS
ComplianceOS — smart checklists, document generators, compliance calendar.
The Corporate Innovator
Innovation lead at a bank, telco, or insurance company told to "do something with blockchain." No Web3 background, no compliance framework.
KLARIFY DELIVERS
Guided onboarding, regulator map, roadmap appropriate for enterprise context.
The Compliance Professional
Lawyer or compliance officer serving multiple clients across Nigeria or West Africa. Needs fast, citable regulatory intelligence and client-ready outputs.
KLARIFY DELIVERS
Document analysis, regulatory Q&A, jurisdiction comparison, client-ready reports.
The Cross-Border Operator
Expanding beyond Nigeria into Ghana, Kenya, or South Africa. Each new market brings different regulators and a different compliance framework.
KLARIFY DELIVERS
Jurisdiction gap analysis, multi-market readiness scoring, pan-African regulator intelligence.
The Institutional Investor
EnterpriseVCs · Family Offices · DFIs · Private Equity · Accelerators
Portfolio companies may be operating without licences, mis-classified, or one regulator letter away from failure. Most investment teams lack the specialist diligence capability to know.
KLARIFY DELIVERS
WHO THIS SERVES
Investor Mode, coming soon. Portfolio-wide compliance dashboards, startup risk scoring, and regulatory due diligence reports.
Your live Regulatory Readiness Score
8 compliance dimensions. Updates in real time as you work.
Critical, Significant gaps identified
Example score at sign-up. Your actual score updates as you complete tasks.
Answer 5 questions to get your real Readiness Score, takes under 3 minutes
Calculate my Readiness Score →From sign-up to compliance clarity in 3 minutes
Answer 5 questions
Tell us what you're building and which markets you're targeting. Takes under 3 minutes.
Get your Readiness Score
Receive an instant 0–100 score across 8 compliance dimensions. Understand exactly where your gaps are.
Work your personalised roadmap
A phase-locked roadmap guides you from corporate structure to ARIP registration. Every task links to the specific regulatory requirement it satisfies.
Transparent, founder-friendly pricing
Start free. Upgrade when you need more power. All prices in USD, billed in Naira at the prevailing rate.
Free
$0
- ✓ 10 AI queries/month
- ✓ Nigeria jurisdiction only
- ✓ Readiness Score
- ✗ Document analysis
- ✗ Document generator
- ✗ ARIP tracker
Navigator
$29/mo
$278/year (save 20%)
- ✓ 50 AI queries/month
- ✓ Nigeria jurisdiction
- ✓ 5 document analyses
- ✓ 3 document templates
- ✗ ARIP tracker
- ✗ Regulator CRM
Compass
$99/mo
$950/year (save 20%)
- ✓ Unlimited AI queries
- ✓ 2 jurisdictions
- ✓ Unlimited document analyses
- ✓ All 13 document templates
- ✓ ARIP tracker
- ✓ Regulator CRM
- ✓ Human escalation
Flagship
$299/mo
$2,870/year (save 20%)
- ✓ Everything in Compass
- ✓ All 5 jurisdictions
- ✓ Unlimited team seats
- ✓ Priority human escalation
- ✓ Full compliance export
- ✓ API access
All plans include a 14-day money-back guarantee.
Start building with regulatory confidence today
Know your regulatory gaps in 3 minutes. No credit card required.