Co-founder
Charles Archibong co-founded Toden. He writes about identity verification, financial technology, and the practical work of building trusted digital services.
Identity Verification
Identity verification assumed a human attacker, a human engineer and a human reviewer. All three are now partly machines. AI-native verification means evidence a camera feed cannot fake, results that explain themselves, and contracts a coding agent can read.
Risk & Compliance
Know Your Agent (KYA) is the emerging practice of establishing which AI agent is acting, for whom, within what limits, and who answers for it. KYC and KYB do not cover it. This is what the industry has built so far, what it leaves open, and what you can do today.
Risk & Compliance
The decision an auditor questions is often one your own team made: an override, a switched-off control, a shared login. Least-privilege roles, a second person on sensitive actions, two-factor sign-in and an audit trail are how you answer who decided.
Risk & Compliance
In an authorised push payment scam, your real customer is tricked into sending their own money to a criminal. Identity checks pass, because nothing is fake. This is what the sending firm can still see at the moment of payment, and how to hold or question it in time.
Identity Verification
A South African ID number that exists is not a verified customer. This guide covers the green ID book and the smart ID card, what the ID number encodes, what FICA's risk-based due diligence expects, the ways to verify, and the gaps that let fake or borrowed IDs through.
Identity Verification
A Kenyan ID number that exists is not a verified customer. This guide covers the cards in circulation, what the Central Bank of Kenya expects, the ways to verify a national ID, what each one proves, and the gaps that let fake or borrowed IDs through.
Identity Verification
A photo of an ID is only pixels. A name, a date or a portrait can be changed in an editor, and an old photo of someone else's ID can be uploaded from a gallery. This is why an uploaded picture is weak evidence, what catches an edit, and what does not.
Risk & Compliance
The law tells you to keep a KYC record for years. It does not tell you to copy the passport photo into your warehouse, your logs and your support inbox. Every extra copy is one more thing to breach, hand over and report. Here is how to hold less.
Identity Verification
A one-time code proves that someone holds the SIM right now. It does not prove who they are. SIM swaps and recycled numbers turn "phone verified" into account takeover. Here is what a phone check really tells you, and what to put beside it.
Identity Verification
A photo of a Ghana Card and a matching number is not a verified customer. This guide covers what the Bank of Ghana expects, the three ways to verify a Ghana Card, what each one proves, and the gaps that let fake or borrowed cards through.
Risk & Compliance
A money mule is a real, verified customer who lets criminals move stolen money through their account. Nothing was faked, so onboarding checks pass. This is how mules are recruited, what they cost you, and the signals that expose them afterwards.
Identity Verification
Real ID. Matching selfie. Clean liveness. You approved the account, and it belongs to a fraudster. Your checks never looked at who was holding the document. This is how that happens, what it costs you, and how silent capture closes the gap.