Pension Gateway 2.0
Contribution Reconciliation & Exception Management
- First-pass reconciliation rate
- Exception rate and aged exceptions
- Median time to RSA allocation
- Value held in exception
PenOp Pension Operations & Inclusion Programme
Strengthening Nigeria’s Pension Ecosystem — Without Replacing What Already Works.
Shared reconciliation, verification and inclusion infrastructure that runs alongside PenCom, PFAs, PFCs and employers — connecting existing systems rather than duplicating them.
Fewer Contribution Exceptions
End-to-end matching of schedules, payments, PFC receipts and RSA allocation.
Lower Verification Cost
One shared liveness and identity service, consumed through each PFA's own channel.
More Funded PPP Accounts
Activation and collection rails for informal-sector contributors. (Future module)
Easier Diaspora Contributions
Foreign-currency contribution orchestration for Nigerians abroad. (Future module)
How it works
A shared layer between the systems you already trust.
Employers & payroll
Payment rails
Identity & liveness providers
PensionConnect NG
Reconcile · Verify · Notify · Audit
PFAs (core admin systems)
PFCs (custody)
PenCom / PCRS (oversight)
Integrations operate in sandbox until approved credentials and specifications are supplied by each institution.
Initial 90-day pilots
Two pilots. Measurable outcomes.
Shared Retiree Verification
Common identity & liveness service for PFAs
- Verification completion rate
- Cost per verified retiree
- Manual-review volume
- Exceptions resolved within 5 working days
Who benefits
Value for every participant — on their own terms.
- Association-level view of industry operations
- Aggregated, privacy-preserving benchmarks
- Evidence base for collective initiatives
Roadmap
Built in deliberate stages.
- 01
First 90 days
Gateway 2.0 reconciliation and Shared Retiree Verification pilots.
- 02
6–12 months
PPP activation & collections, diaspora contributions, operational benchmarking.
- 03
Longer term
Digital benefits workflow and data recapture / identity remediation.
Security · Privacy · Interoperability
Designed for regulated financial data from day one.
Strict tenant isolation
Row-level security in the database — never frontend filtering.
NDPA-ready consent
Lawful-purpose metadata, consent records and configurable retention.
Immutable audit trails
Append-only financial workflow history; no silent deletes.
Minimal biometric footprint
Provider references only — no raw biometric templates.
Open, versioned APIs
Signed webhooks and idempotency keys for every integration.
Aggregated by default
Cross-industry insight without cross-PFA data leakage.
Frequently asked
Pilot interest
Join the 90-day pilot.
PFAs, PFCs, employers and distribution partners are welcome to register interest. Participating institutions can sign in with their invited accounts.