Inclusion Tier

A foundational onboarding pathway for women who have no NIN of their own — reached through a verified community vouch, not identity documents she doesn't have.

51%

of Nigerian women are formally unbanked

10%

gender gap in NIN enrolment (2022)

Source: CBN & Gender Centre of Excellence (April 2023) — see National Benchmarks.

Why This Is Not Spouse-Specific

CBN's own 2023 research names household gatekeeping — often by a male head of household — as a driver of women's financial exclusion, not just a symptom of it. Anchoring onboarding to one specific relationship risks formalising that same dynamic. Instead:

Any verified adult community member may vouch — a cooperative leader, a registered agent, a family member, a neighbour — not a spouse specifically.
The resulting account is solely the beneficiary's. The voucher gains no ownership, control, or visibility over it.
The vouch is a single onboarding event, not an ongoing dependency.
The beneficiary may replace her vouch or graduate to standard Tier 1 once she obtains her own NIN.

Step 1 of 2

Voucher Verification

The voucher proves their own identity and presence — the same verification technology already live on 360GIL.

Voucher Full Name

Voucher NIN (demonstration value only — never a real NIN)

Voucher's Role / Relationship

📍 Getting your GPS location...

Step 2 of 2 — Complete Step 1 First

Vouch for Beneficiary

Confirm the person you are vouching for and attest to your knowledge of her.

Beneficiary Full Name

Beneficiary's Stated Address

I confirm I personally know this individual and attest, to the best of my knowledge, that she resides at the address stated above. I understand this vouch grants me no ownership, control, or visibility over any account opened for her.