Layer 1 — Identity Lifecycle

Account levels

Six assurance tiers from guest discovery to organization-level delegated authority. Each level unlocks stronger capabilities.

L0 — Guest / DiscoveryUnlocked

Browse public services, no identity required

Requirements

None

Capabilities

Browse service catalog

View public information

Access USSD menu

L1 — Basic AccountLocked

Mobile + email OTP verified

Requirements

Mobile phone number

Email address

OTP verification

Capabilities

Low-risk service access

USSD identity checks

Basic consent flows

Offline queue

L2 — Verified CitizenLocked

Ghana Card identity proofing + selfie liveness

Requirements

Ghana Card PIN

NIA identity proofing

Selfie / liveness check (PAD L1)

Capabilities

SSNIT / NHIS / DVLA flows

Credential issuance

Document vault

Consent receipts

L3 — High-Assurance CitizenLocked

Stronger biometric binding + device trust

Requirements

Biometric enrollment (PAD L2)

Device binding attestation

Recovery controls configured

Capabilities

Financial service KYC

SIM registration

Mobile money

Cross-border verification

L4 — Qualified SignerLocked

Signing certificate + high-value transaction approval

Requirements

Signing certificate issued

PIN + biometric for every signature

Identity re-verification

Capabilities

Advanced electronic signatures

Qualified signatures

Document sealing

High-value approvals

L5 — Organization / Delegated AuthorityLocked

For directors, legal reps, government officers

Requirements

Business registration (RGD)

Director / officer verification

Delegation authority chain

Capabilities

Corporate e-seal

Delegated signing

Batch approvals

Multi-party workflows

SP onboarding