nigerian-fintech-compliance-architect

Use the computeVAT kernel function with a gross amount and a rate code of standard (7.5%), zero-rated (0%), or exempt. The function returns the VAT amount, net amount, and gross total rounded to two decimals, keeping all rate logic out of inline arithmetic.

Submit invoices through the FIRSApiService, which signs the payload with HMAC-SHA256, posts to the FIRS submit endpoint with your API key and TIN headers, and retries with exponential backoff. Store the returned IRN and QR code for the 6-year audit trail requirement.

BVN, NIN, and TIN are each exactly 11 digits validated with simple regex checks. CAC numbers start with RC, BN, or IT followed by 5 to 7 digits, and Nigerian phone numbers use the +234 or 0 prefix followed by 10 digits starting with 7, 8, or 9.

Yes, Lagos Pidgin (pcm) is treated as a co-equal locale alongside English. The messages object pairs every user-facing string in both locales, and the useTranslation hook falls back to English when a Pidgin key is missing.

NDPR requires explicit consent and data minimization for PII fields like BVN, NIN, TIN, phone, and email. The maskPII utility masks these fields before logging, and structured loggers must never emit raw PII values.

The WHT kernel covers six fixed categories such as rent at 10% and professional fees at 5% or 10%, but rates change with each Finance Act. Always verify current rates against the latest legislation rather than hardcoding new categories inline.