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Documentation Index

Fetch the complete documentation index at: https://docs.vouchmark.com/llms.txt

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A verified bank account is the strongest signal that a company is more than a registered shell. Vouchmark connects to the company’s bank via Mono and reads twelve months of transaction history with the owner’s consent. We never store statement data — only the aggregated signals used to score it.

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What we score

SignalPointsNotes
Balance disclosed10Consent token granted read access.
Account name matches CAC10Fuzzy match after stripping suffixes.
BVN attached to the account20Confirms the account is owned by a natural person tied to the company.
Recent monthly transactions ≥ threshold10Default threshold: 100 txns/month.
Total transactions ≥ threshold20Default threshold: 500 txns over 12 months.
Account age ≥ 6 months10Filters newly-opened shell accounts.
Account flagged as primary20The owner declares this is the operating account.
A perfect bank verification contributes 100 points to the Vouchmark Score.

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How to connect an account

1

Owner consents in the dashboard

The owner of the claimed company opens Bank → Connect, picks their bank, and authorises Mono. The consent token is exchanged server-side for an account handle.
2

We pull statements

Up to 12 months of transactions are read into our system. We compute the signals above and immediately discard the raw transactions.
3

Score updates

The Vouchmark Score recomputes within seconds of the bank check landing. The new bank component appears in GET /v1/dashboard/bank.

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Endpoints

curl -X POST https://api.vouchmark.com/v1/connect-account/cmp_aBcD... \
  -H "Authorization: Bearer $TOKEN" \
  -H "Content-Type: application/json" \
  -d '{"bankCode":"044"}'
Response — verified
{
  "success": true,
  "data": {
    "companyId": "cmp_aBcD...",
    "bank": {
      "name": "Guaranty Trust Bank",
      "accountNumberLast4": "1234",
      "accountName": "TEKCIFY TECHNOLOGIES LTD",
      "primary": true
    },
    "score": {
      "balance": 10,
      "nameMatch": 10,
      "bvn": 20,
      "recentTxns": 10,
      "totalTxns": 20,
      "accountAge": 10,
      "primary": 20,
      "total": 100
    },
    "verifiedAt": "2026-05-12T09:14:00Z"
  }
}

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Privacy and retention

  • We hold the Mono account handle for as long as the bank is connected, so we can refresh the snapshot for Smart Sentinel re-checks.
  • We do not store the underlying transactions or balances beyond the active session that computes them.
  • The owner can revoke consent from the dashboard. Revocation invalidates the bank component of the score immediately.

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Failure modes

FailureWhat it means
MONO_CONSENT_DECLINEDThe owner cancelled the bank consent.
STATEMENT_INSUFFICIENTLess than 30 days of activity. Reconnect once the account has more history.
ACCOUNT_NAME_NO_MATCHThe bank account’s account name doesn’t match CAC. Often a sign of a personal account passed off as corporate.