The Experian of
African Land.
Banks spend millions verifying land titles manually. Ardhi's 12-agent AI swarm does it in 48 hours, at a fraction of the cost. Verify loan collateral, audit portfolios, and monitor titles — all through one API.
KES 500M+
spent annually by Kenyan banks on manual title verification
3-6 weeks
average time for a bank to verify a single land title
23%
of land-backed loans in Kenya face collateral disputes
Use cases
One verification engine. Every institutional need.
Loan Origination
48hrs vs 3-6 weeksVerify title validity before approving land-backed loans. Our 12-agent swarm cross-references NLIMS, checks encumbrances, and returns a Trust Score in 48 hours — not 3 weeks.
For: Commercial Banks, Microfinance
Portfolio Audit
10,000 titles in 7 daysBulk-verify thousands of existing titles in your loan book. Upload a CSV, get a full verification report for every title. Identify at-risk collateral before it becomes a loss.
For: Banks, SACCOs, CBK Compliance
Collateral Monitoring
Nightly NLIMS checksLand Guardian Enterprise monitors your collateral portfolio nightly. If a borrower's title is transferred, encumbered, or disputed — you know before the next business day.
For: Banks, Insurance, Pension Funds
Insurance Underwriting
94% fraud detection rateVerify title authenticity and risk profile before issuing title insurance or land-related policies. Our fraud risk score identifies high-risk parcels with 94% accuracy.
For: Insurers, Underwriters
How it works
From title number to Trust Score in 48 hours
Submit
Send title numbers via API, CSV upload, or our dashboard.
Verify
12 AI agents cross-reference NLIMS, check encumbrances, validate ownership, and score fraud risk.
Report
Receive standardised verification certificates with Trust Scores, risk classification, and detailed findings.
Monitor
Optionally enrol titles in continuous monitoring. Get instant alerts on any registry changes.
Pricing
Transparent, volume-based pricing
No hidden fees. No long-term contracts required. Pay per verification or commit to an annual license for unlimited access.
| Product | Unit | Price |
|---|---|---|
| Single Verification | per title | KES 2,500 |
| Bulk Verification (100+) | per title | KES 1,500(~£9) |
| Portfolio Monitoring | per title/month | KES 500(~£3) |
| Enterprise API | annual license | KES 2.5M(~£15K) |
| White-Label | custom | Contact us |
Volume example
A bank auditing 10,000 titles at the bulk rate: KES 15M (~£90K). This replaces 3-6 months of manual verification costing KES 50M+ (~£300K). Individual verifications at KES 2,500 per title.
Built for
Developer-first
API-first infrastructure
Integrate Ardhi's verification engine directly into your loan management system, CRM, or underwriting platform. RESTful API with webhook callbacks and batch processing.
View API Documentation# Verify a title
POST
/api/v1/verify-title
{
"title_number": "LR.NO.12807/214",
"county": "Kiambu",
"callback_url": "https://your-bank.co.ke/webhook"
}
// Response (48hrs via webhook)
{
"trust_score": 92,
"outcome": "proceed",
"risk_level": "safe",
"checks": {
"title_deed": "confirmed",
"nlims_match": "confirmed",
"encumbrances": "none",
"disputes": "none",
"fraud_score": 0.03
},
"certificate_url": "https://..."
}Book a demo
Tell us about your institution and we'll show you how Ardhi can reduce your verification costs by 70%.