Pilot SGI Agreement
Between Inopay Group SARL ("Inopay") and the signing SGI ("the Partner"), for the purpose of a pilot integration to Inopay's unified KYC infrastructure over a 12-month period.
1. Subject
The Partner subscribes to Inopay's unified KYC infrastructure to digitise and mutualise the know-your-customer process for its new and existing clients. Inopay provides the API, the investor journey, AI-based document validation and the cryptographic audit trail. The Partner retains final validation authority and the client relationship.
2. Term
12 firm months from the production go-live date. Tacitly renewable for 12-month periods. Terminable with 90 days' notice.
Pilot phase of 6 months at preferential pricing (see pricing schedule). Thereafter, standard pricing.
3. Scope of Inopay services
| Service | Scope |
|---|---|
| Unified KYC | Creation, AI validation, audit trail, cross-SGI reuse, portable consent |
| SGI API | Endpoints for creation / retrieval / portability consent, HMAC-SHA256 signed webhooks |
| SGI dashboard | Monthly consumption, in-flight KYC status, billing reconciliation |
| Sandbox | Test environment with fictional data, keys distinct from production |
| Support | Dedicated WhatsApp hotline for 30 days after go-live, then email within 24 business hours |
4. Pricing
See full pricing schedule. In summary:
- Billing per verification actually performed (no fixed subscription during pilot)
- −50 % preferential tariff during the first 6 months
- Invoicing at month-end, bank transfer within 15 days
5. Operational SLA
| Indicator | Commitment |
|---|---|
| API availability | 99.5 % monthly (excluding scheduled maintenance windows) |
| KYC1 validation time | < 24 business hours on first submission |
| KYC2 validation time | < 48 business hours on first submission |
| Cross-SGI reuse | < 30 minutes after investor consent |
| Tier-2 support | Response within 4 business hours |
6. Compliance & governance
- Inopay acts as a processor within the meaning of the UEMOA Personal Data Protection Act.
- KYC data remain the property of the Partner and the investor.
- Explicit investor consent is required for any cross-SGI reuse.
- Inopay undertakes to file a licence application with CREPMF for mutualised KYC service within 18 months.
- Any change in scope or pricing is subject to a signed amendment.
7. Exclusivity
No exclusivity clause. The Partner may continue to use its existing KYC tools in parallel during and after the pilot.
8. Exit conditions
- Termination at any time with 90 days' notice, without penalty, before the end of the 12 months.
- Full return of the Partner's data within 30 days of termination.
- Definitive deletion of Inopay-held data within 90 days, save for legal retention obligations.
- Read-only access to cryptographic audit trails maintained for 5 years (anticipated CREPMF requirement).
9. Intellectual property
The code, APIs, documentation, AI models and Inopay trademarks remain the exclusive property of Inopay Group SARL. The Partner is granted a non-exclusive, non-transferable right of use for the duration of the agreement.
10. Confidentiality
The parties agree to mutual confidentiality regarding any commercial, technical or financial information exchanged. Commitment applies throughout the agreement and for 5 years thereafter.
11. Governing law and jurisdiction
Ivorian law. Abidjan Commercial Court has jurisdiction in the absence of amicable settlement.