Appendix B: Launch Region Configuration

Note

This appendix contains jurisdiction-specific configuration for markets with confirmed provider coverage. Nigeria, Ghana, Kenya, and Uganda are the first four configured markets — the same pattern repeats for every new market activated behind the facades. Adding a market means: configure provider coverage, set jurisdiction thresholds, confirm ID types, and activate. See Activating a New Market for the checklist.

First Configured Markets

Market	Status	Fiat Provider	Identity Provider	Primary Currency
Nigeria	Configured	HoneyCoin	Shufti Pro	NGN
Ghana	Configured	HoneyCoin	Shufti Pro	GHS
Kenya	Configured (fast-follow)	HoneyCoin	Shufti Pro	KES
Uganda	Configured (fast-follow)	HoneyCoin	Shufti Pro	UGX

These are the markets where Capxul is founded and where the first users operate. The launch region is Africa (West Africa first) — additional West African markets activate as provider coverage expands. See Chapter 1 for the regional expansion plan.

KYC Thresholds by Jurisdiction

These thresholds are indicative. Exact limits for crypto-to-fiat payroll disbursements must be confirmed with local legal counsel. Each new market requires its own row in the jurisdictionThresholds table in Convex.

Individual Verification (Tier 1 — Basic)

Jurisdiction	Tier 1 Daily Limit	Tier 1 Monthly Limit	Regulatory Basis
Nigeria	50,000 NGN ($30)	300,000 NGN ($180)	CBN Tiered KYC Framework
Ghana	500 GHS ($35)	3,000 GHS ($210)	BoG Agent Guidelines
Kenya	100,000 KES ($770)	300,000 KES ($2,300)	CBK Guidance Note
Uganda	1,000,000 UGX ($270)	4,000,000 UGX ($1,080)	BOU Mobile Money Guidelines

Organization Verification (KYB)

Country	Corporate Registry	Registration Body
Nigeria	CAC (Corporate Affairs Commission)	Federal government
Ghana	Registrar General’s Department	Ministry of Justice
Kenya	BRS (Business Registration Service)	Office of the Attorney General
Uganda	URSB (Uganda Registration Services Bureau)	Ministry of Justice

Supported ID Types by Country

Country	ID Types	National Database
Nigeria	National ID, voter’s card, driver’s license, passport. BVN/NIN cross-reference.	CAC for KYB
Ghana	GhanaCard, voter’s card, driver’s license, passport	Registrar General for KYB
Kenya	National ID, passport, driver’s license. Most mature digital ID infrastructure.	BRS for KYB
Uganda	National ID, passport. Least mature infrastructure — lower match rates for Tier 1.	URSB for KYB

Provider Configuration

Fiat Ramp: HoneyCoin

• Type: Off-ramp and on-ramp
• Confirmed coverage: NG, GH, KE, UG (additional West African markets to be confirmed)
• Off-ramp fee: 0.3-1% of transaction value
• FX spread: 0.2-0.8%
• Provider deposit address expiry: 1 hour
• Virtual account: persistent, per-org (pending confirmation on details — see Open Questions)

Identity Verification: Shufti Pro

• KYC: document verification across 10,000+ document types in 230+ countries
• KYB: business verification against 300+ data sources in 250+ jurisdictions
• Tier 1: eIDV endpoint (database lookup, no document upload) — coverage for first configured markets pending confirmation
• Tier 2: Journey Builder (hosted flow with government ID + face verification + 3D liveness)
• Tier 3: Same as Tier 2 plus address verification and AML screening

Shufti Pro’s 230+ country coverage means additional African markets are likely supported without adding a new identity provider. Per-market ID type support must be confirmed.

Activating a New Market

This is the standard operating model — not an exception. Every new market follows the same steps:

1. Fiat ramp provider — confirm an existing provider covers the jurisdiction, or add a new provider behind the ramp facade
2. Jurisdiction thresholds — add a row to jurisdictionThresholds table in Convex with KYC tier limits for the jurisdiction
3. Identity verification — confirm Shufti Pro coverage for the jurisdiction’s ID types and government databases, or add a new provider behind the verification facade
4. Legal review — confirm KYC/AML obligations for crypto-to-fiat payroll disbursements in the jurisdiction

No platform code changes required. The facade pattern and jurisdiction configuration tables handle the rest. This process applies equally to the next West African market and to the first Middle Eastern or Latin American market.