Nigeria
Central Bank of Nigeria (CBN)
International Money Transfer Operator / payment service
Trust & transparency
How we verify people, protect money and register the business.
This page sets out exactly what runs inside I Learn today: the AI checks every member passes, the controls around wallets and ledgers, and the live status of our licensing work in each market we serve. We publish status, not promises.
Verify a business
Anyone can confirm whether a counterparty is a verified corporate member. Enter the public verification code they gave you, or their company registry number. No documents or personal data are ever shown here.
Public data room
Everything an investor or corporate partner needs to review our legal standing, in one index. Items marked “Published” can be read on this page or downloaded now; “On request” items are released to verified counterparties; “Not yet on file” means the document has not been issued yet — we never list a document we cannot produce.
COMPLIANCE.md — full compliance dossier
PublishedLicensing procedure, AI verification controls, KYB workflow, audit-trail guarantees and infrastructure notes.
Licensing register
PublishedCountry-by-country regulator, regulated activity, filing stage and licence number once granted.
KYB verification layers
PublishedStructured corporate fields, screening rules and the draft → submitted → under review → verified workflow.
Audit-trail scope
PublishedAppend-only compliance event log; per-account and per-entity exports available to verified counterparties.
Certificate of incorporation
On requestCompanies House (UK) certificate for Haven Global Exchange Ltd., registration HE-984210.
Memorandum & articles (statuts)
Not yet on fileConstitutional documents of the company.
Tax identification certificate
Not yet on fileTIN / VAT registration issued by the revenue authority.
UBO declaration & director register
On requestBeneficial owners at 25%+ with identity documents.
AML/CFT and sanctions-screening policy
On requestWritten policy governing onboarding, monitoring and reporting.
Regulator correspondence
On requestFiling acknowledgements and decision letters for each market.
Company registration record
The corporate identity fields a counterparty can check directly against the companies registry. Fields still marked “Not yet on file” are published as such deliberately.
Legal name
Haven Global Exchange Ltd.
Registered name exactly as it appears on the certificate of incorporation.
Trading name
I Learn (Haven Global Exchange)
Name used commercially in the app and on store listings.
Company registration number
HE-984210
Reference issued by the companies registry of the country of incorporation.
Country of incorporation
United Kingdom
Jurisdiction whose registry holds the company file.
Date of incorporation
14 October 2024
Date the certificate of incorporation was issued.
Registered office address
71-75 Shelton Street, Covent Garden, London, WC2H 9JQ
Registered seat as filed with the registry.
Tax identification number
GB984210332
TIN / VAT / NIF issued by the revenue authority.
Directors
Not yet on file
Register of directors with role and nationality, held in the data room.
Beneficial owners
Not yet on file
Every natural person holding 25% or more, with percentage held.
Regulatory permissions
Not yet on file
See the licensing register above — no permission is claimed before it is granted.
Legal registration & licensing
We only operate a regulated activity in a country once the relevant authorisation is in place. The register below is maintained by the company and shows the current stage of each filing. Where a status is not yet “Registered”, the corresponding regulated service is not offered to the public in that market.
Preparing filing
Ghana
Bank of Ghana
Payment service provider (enhanced)
Kenya
Central Bank of Kenya
Money remittance provider
South Africa
South African Reserve Bank / FSCA
Authorised Dealer with Limited Authority · FSP
Senegal (UEMOA / XOF zone)
BCEAO
Établissement de monnaie électronique / transfert de fonds
The Gambia
Central Bank of The Gambia
Remittance and foreign exchange services
Egypt
Central Bank of Egypt
Payment services / FX
European Union
National competent authority (EU passporting)
Payment institution under PSD2
United Kingdom
Financial Conduct Authority (FCA)
Authorised payment institution · MLR registration
Investors and partners can request the underlying filings, corporate registration documents and regulator correspondence directly from the company.
How every register entry is published
Each market above is published against the same fixed template, so anyone can take the details and check them against the regulator’s own public list.
Market
Country or economic zone the entry covers.
Regulator
Named supervisory authority for the activity.
Regulated activity
Exact activity as worded in that regulator's regime.
Filing status
Preparing filing · Application filed · Registered. Never advanced without evidence.
Registration / licence number
Published verbatim once granted so anyone can check it against the public register.
Evidence on file
Regulator decision letter or registry extract retained in the data room.
Last verified
Date the register entry was last reconciled with the regulator's public list.
Business & enterprise registration layers
Members are verified at the layer that matches how they trade — as an individual, as a registered company, or as an institutional counterparty.
Individual member (KYC)
Natural persons trading, transferring or investing for their own account.
- •Live in-app document scan of a passport, national ID, driving licence or residence permit.
- •AI extraction and cross-check against the details the member typed.
- •Human review for anything inconclusive — never auto-approved on low confidence.
Registered business (KYB)
Companies, cooperatives and licensed operators trading across borders under a legal entity.
- •Registry number, tax identification, country and date of incorporation captured as structured fields.
- •Register of directors and a declaration of every beneficial owner holding 25% or more.
- •Corporate documents (incorporation certificate, statutes, tax certificate, proof of address, bank mandate) collected against a fixed template.
- •Structural screening, then a compliance-officer decision recorded with the officer's identity and note.
Institutional counterparty
Funds, family offices and corporates deploying large-scale capital.
- •Verified entity file plus a named compliance contact on record.
- •Enterprise ticket tiering with risk scoring on every high-value movement.
- •Full append-only audit trail exportable for the counterparty's own diligence.
Corporate documentation template
The exact file a business must provide before it can trade cross-border on the platform.
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Certificate of incorporation / registration
Issued by the national companies registry (CAC Nigeria, RGD Ghana, BRS Kenya, CIPC South Africa, RCCM for UEMOA, Companies House UK, national registers in the EU).
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Memorandum & articles / statuts
The constitutional document showing the objects and share structure of the entity.
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Tax identification certificate
TIN / VAT / NIF number issued by the revenue authority in the country of incorporation.
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Register of directors
Current directors with full names, nationality and date of appointment.
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Ultimate beneficial owner (UBO) declaration
Every natural person holding 25% or more, directly or indirectly, with identity documents for each.
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Proof of registered address
Utility bill, lease or registry extract dated within the last three months.
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Corporate bank statement or mandate
Confirms the settlement account the business will use for payouts.
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Sector licence (if regulated) (if applicable)
Only where the business activity itself is licensed — for example bureau de change, MSB or import/export permit.
KYC / AML audit trail
Compliance events are written to an append-only log. No one — including administrators — can edit or delete an entry once written; members can read every event recorded about them, and institutional counterparties can request their own trail for diligence.
Identity decision
Every KYC submission, automated verdict, reviewer decision and reason.
Corporate filing
Each entity submission and every status change with the registry number at the time.
Compliance review
Officer identity, timestamp, decision and note for each corporate decision.
High-value movement
Ticket tier, risk score, individual check outcomes and the resulting status.
Wallet posting
Amount, kind, reference, funding source and resulting balance for every credit and debit.
Trust architecture for African markets
Cross-border trade security
Corporate counterparties trade under a verified registry number, not a nickname. Directors and beneficial owners are on file before an entity can settle at scale.
Local regulatory alignment
Each market has its own register entry naming the regulator and the exact regulated activity. Where a filing is not yet granted, the regulated service is not offered in that market — we publish the stage, not a claim.
Transparent fund protection
Balances and ledger entries move together in one atomic, row-locked operation, then are re-read and reconciled. Any balance can be reconstructed line by line from the ledger.
Settlement in local currency
PAPSS local-to-local routing plus the XOF and ZAR fixed-rate zones mean African businesses settle in their own currency without USD conversion exposure.
AI & security verification
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AI identity verification
Every member scans a government ID, passport, driving licence or residence permit in-app.
- •A live document scanner detects the document edges, crops it and rejects blurred or partial captures before upload.
- •An AI vision model reads the document, extracts the number, name, issuing country and expiry date, and compares them with what the member typed.
- •Documents that are unreadable, expired, mismatched or visibly altered are rejected automatically with a clear reason.
- •Anything the model cannot decide with high confidence is routed to a human reviewer in the admin queue — never auto-approved.
- •Documents from all 54 African countries and 19 European corridors are accepted.
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Authentication & access control
Accounts and data are isolated at the database level, not just in the interface.
- •Email/password authentication with server-verified sessions on every request.
- •Row-level security on every table: a member can only ever read or write their own wallet, transfers, listings and documents.
- •Administrative access sits behind a separate secret PIN gate with a signed, HTTP-only session cookie.
- •Identity documents live in a private storage bucket that is unreadable without an authorised session.
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Anti-fraud & transaction monitoring
Money movement is checked before and after it settles.
- •Verification is mandatory: unverified or suspended accounts cannot exchange, transfer or trade.
- •Balances and ledger entries move together in a single atomic, row-locked database operation — no partial debits.
- •Every posting is re-read and reconciled against the ledger; mismatches are logged for investigation.
- •High-value tickets trigger automated compliance checks against recent account activity and are written to an audit log.
- •Exchange rates are admin-approved server-side, so no price can be tampered with from the browser.
Investor-ready infrastructure
Every balance, transfer and trade can be traced end to end.
Multi-country operating model
One wallet spanning 54 African nations and European corridors, with smart routing over PAPSS, the XOF fixed-rate zone and the ZAR zone so members settle in local currency without USD conversion costs.
Verified member base
Every account is identity-checked before it can move money. Verification state, review notes and reviewer decisions are all retained and auditable.
Auditable wallet & ledger
Every credit and debit writes an immutable ledger entry with the resulting balance, funding source and reference, so any balance can be reconstructed line by line.
Live operations dashboard
Administrators see registrations, verification decisions, transfers, exchanges, marketplace activity and ledger postings in real time, with volumes and totals per period.
Trade & delivery tracking
Marketplace orders, cross-border payments and cash-pickup requests each carry a status trail and a settlement route recorded against the transaction.
Documented data-room readiness
Licensing progress, control descriptions and operating metrics are maintained in the app and in COMPLIANCE.md so diligence questions can be answered from a single source.
Nothing on this page describes a certification, audit outcome or regulatory approval that has not been granted. Statuses are updated as each filing progresses.
Contact
Compliance, licensing and diligence enquiries — including requests for our registration documents, security overview or investor data room — can be raised from the in-app Support screen once you are signed in.
Sign in to contact us