Next-of-kin API for banks, insurers and registrars
When a customer goes quiet, know who to call.
One API to check on customers who have gone silent, reach the next of kin they named, and keep the record.
One case, from first signal to handover
- 01Signal from your system
- 02Quiet period runs
- 03Check-in sent
- 04Grace period, then escalation
- 05A person reviews the documents
- 06Next of kin receive information
Built for
Banks, fintechs, insurers, pension administrators and registrars.
Information, not money.
Every disclosure reviewed by a person.
The problem
Quiet accounts become a record you cannot explain.
Customers die or move on without telling anyone. Accounts go dormant, heirs turn up with no paperwork, and regulators expect a record.
In Nigeria, funds dormant for 10 years or more move to the CBN Unclaimed Balances Trust Fund, and the 12 March 2026 circular requires institutions to publish dormant-account lists.
Source: CBN circular, 12 March 2026.
How it works
Four steps from first signal to a reviewed handover.
Customers name next of kin.
Your signals start a quiet-period clock.
Entrustt checks in, then escalates.
A person reviews before anything is disclosed.
One integration
You connect once. Entrustt runs the rest.
Your product sends signals in and receives signed webhooks out. The register, the clock and the review sit behind one API.
Your product
App, core banking or registrar dashboardOne API
EntrusttControls
People
Customer, next of kin, reviewerWho Entrustt powers
Who Entrustt powers
What you get
A next-of-kin register and inactivity API, in one integration.
Next-of-kin register
Customers name the people to tell and list what they hold. You keep the relationship, Entrustt keeps the register.
Inactivity checks
Entrustt runs the clock, the check-in, the grace period and the escalation, using rules you set.
Reviewed disclosure
A person reviews the documents. Next of kin receive information only. Money moves through your normal estate process.
Audit and dormant-account reports
Every step is logged. Export a dormant-account report for your compliance team.
For developers
A signed webhook, in full.
Every event carries a timestamp and a signature. Verify it with your secret. Ignore an event ID you have already processed.
POST /your-webhook-endpoint
Entrustt-Signature: t=1760000000,v1=5257a869...d8bd
Entrustt-Event-Id: evt_01HXAMPLE
{
"id": "evt_01HXAMPLE",
"type": "inactivity.grace_period_ended",
"created": 1760000000,
"data": {
"customer_ref": "cus_demo_123",
"status": "pending_review"
}
}Start here
Pick the page that fits your team.
Built so that no single party can open a vault.
Questions
What teams ask first.
Does Entrustt hold or move money?
No. Entrustt gives information to named next of kin. Money moves through your normal estate process.
Who decides when something is disclosed?
A person reviews the documents before anything is shared. The timing rules are ones you set.
Do our customers need a new app?
No. Customers hear from you, under your name. Insurers, registrars and pension administrators can upload records to a dashboard, and people do not need an account.
What do we need to provide?
The activity signals you already hold, a way for customers to name next of kin, and a point of contact on your team.
What is a next-of-kin register API?
A service your product calls to record the people a customer has named to be contacted, with the consent behind each name. Entrustt keeps that register, watches for customers who go quiet, and returns a signed webhook at each step.
Can insurers and pension administrators use it too?
Yes. Banks, fintechs, insurers, pension administrators and registrars all have customers who go quiet. Each page on this site explains the workflow for that kind of institution.
How is it priced?
Pricing is set per partner after a scoping call. It starts with a paid pilot, credited against the platform fee if you continue.