The CBN doesn't care that your agent acted autonomously.
AI agents in Nigerian and African regulated industries are making decisions every second that could violate NDPA 2023, CBN transaction controls, NIMC Act 2026, and a dozen other laws — without anyone knowing until the regulator asks.
comply54 enforces African regulatory law inside your AI stack, before anything executes.
comply54 is the first AI agent governance and runtime compliance framework built specifically for African regulatory environments.
LangChain, CrewAI, and AutoGen are built for capability.
None of them enforce it.
Every major AI framework ships with tools, memory, and reasoning. None of them ship with awareness of CBN transaction caps, NDPA cross-border restrictions, BVN/NIN biometric data rules, or NFIU currency transaction reporting thresholds.
That gap is yours to close — and when something goes wrong, it is your organization that answers to the regulator, not the framework's authors.
comply54 closes that gap. One integration. Every agent action evaluated against the applicable law before it runs.
What happens when an agent gets it wrong
These are not hypothetical. Each scenario below maps to a real regulatory obligation that an AI agent can violate without any human intent.
Your agent returns a customer's BVN in a chat response. That's a Schedule 1 sensitive data breach.
Your onboarding agent stores NIN data after the verification completes. The NIMC Act 2026 explicitly prohibits this.
Your payment agent approves a ₦12M transfer for a Tier 2 customer. That exceeds the ₦10M single-transaction NIP cap.
Your agent processes a ₦5M+ transaction without flagging it for Currency Transaction Reporting within 24 hours.
How comply54 works
It sits between your agent and its tools. Every action is checked. Blocked calls never execute. Your team gets a paper trail without writing a single compliance rule.
Agent decides to act
Your AI agent calls a tool — transfer funds, look up a NIN, respond to a customer, export data.
comply54 intercepts
Before the tool executes, comply54 evaluates the action against every applicable regulation for your jurisdiction and sector.
You get a structured decision
Allow, block, or escalate — with the exact law, section, penalty, and rule that triggered it. Not a vague warning. The actual citation.
Your audit trail is complete
Every check is logged with an audit ID your compliance team can produce if a regulator asks. The agent acted within the law, and you can prove it.
One import. The law enforced.
When a violation fires, comply54 returns the exact regulation, the specific section, the rule that triggered, and a unique audit ID — not a vague error message. Your engineering team ships in hours. Your compliance team can read the output.
from comply54 import NigeriaFintechCompliance
compliance = NigeriaFintechCompliance()
result = compliance.check(
action="transfer_funds",
params={"amount": 15_000_000, "currency": "NGN"},
context={"kyc_tier": 2},
)
# Blocked before execution — no need to handle it downstream
if result.blocked:
v = result.primary_violation
print(v.messages[0])
# → CBN NIP §4.2: Single-transaction cap ₦10M exceeded (₦15M attempted)
print(v.rule_triggered) # nip_cap
print(v.citations[0].document)
# → CBN NIP (NIBSS Instant Payment) Framework §4.2 — Per-Transaction Cap
Works with the frameworks you already use
LangGraph, CrewAI, AutoGen, and LangChain adapters ship out of the box. Drop comply54 into an existing agent in under an hour — no rewrite, no new infrastructure, no OPA binary to install.
from comply54.langgraph import Comply54Guard, comply54_route
from comply54 import NigeriaFintechCompliance
# One node. Every tool call your agent makes is
# evaluated against NDPA + CBN + BVN/NIN + NFIU
# before it executes. Blocked calls never reach the tool.
graph.add_node("compliance", Comply54Guard(
compliance=NigeriaFintechCompliance()
))
graph.add_conditional_edges(
"compliance", comply54_route,
{"tools": "tools", "agent": "agent"}
)
Built for every regulated sector in Africa
Pre-assembled compliance bundles for the sectors with the highest regulatory exposure.
Nigerian Fintech
Payment agents, lending platforms, digital banks, and wallet providers operating under CBN licence. Every agent action touching funds or identity is a regulatory event.
Healthcare AI
Clinical decision support, EHR agents, and telemedicine platforms. Patient consent, clinical data confidentiality, and cross-border health data rules are all enforced.
Insurance Platforms
AI-assisted claims adjudication, underwriting engines, and fraud detection. NAICOM auto-denial caps, anti-discrimination rules, and AML thresholds enforced automatically.
Pan-African AI Platforms
Nigerian, Kenyan, and South African packs are production-ready. Ghana, Rwanda, Egypt, Tanzania, Uganda, Ethiopia, and Mauritius packs are included in preview — coverage depth varies by jurisdiction.
Your agents should know the law
before they act.
comply54 is open source, installs in minutes, and works with every major AI agent framework. Nigerian and African compliance is a requirement, not a feature.