Truss by Islands Digital
Plays silent. Captioned. ~2 min.
Live · today's traffic
1,247
outward684 inward563 flagged0
No audio. Captions below.
Your customer sender or receiver Your bank BankOne, Qore, etc. licensed party, moves money Bank ledger core banking record NIBSS NIP the rail, routes value 12 settlement sessions / day Other bank recipient or sender side Counterparty at the other bank Truss non-custodial reliability layer holds the canonical record runs 27 detectors continuously surfaces what silently fails NEVER ON THE FUNDS PATH Settlement file authoritative truth PGP-encrypted, SFTP, 12x daily webhook · outward HMAC signed webhook · inward HMAC signed SFTP · PGP same file to other bank read-only OUTWARD → ← INWARD
Truss canonical record · derived from three signed sources · append-only
webhookNIP/2026/0418/O21 · ₦42,50009:31:04 · sig ✓✓ recorded
webhookNIP/2026/0418/I04 · ₦120,00009:33:18 · sig ✓✓ recorded
core readBankOne ledger · 0418/I0709:35:01 · auth ✓✓ recorded
sftp/pgpNIBSS S08 settlement · 412 lines12:02:11 · pgp ✓✓ ingested
webhookNIP/2026/0418/O23 · ₦15,00009:47:12 · sig ✓✓ recorded
Idempotent on signed inputs. Every entry traces to one of three signed sources. Reconciliation runs over this record.
ReconciliationTruss canonical × NIBSS settlement file
ReferenceDirAmountBank ledgerSettlement file
NIP/2026/0418/O21out₦42,500SUCCESSSETTLED
NIP/2026/0418/O22out₦8,000SUCCESSSETTLED
NIP/2026/0418/O23out₦15,000SUCCESSFAILED
NIP/2026/0418/I04in₦120,000POSTEDCREDITED
NIP/2026/0418/I07in₦65,000NOT POSTEDCREDITED
NIP/2026/0418/O26out₦3,200SUCCESSSETTLED
4 match · settled 1 outward ghost · flagged 1 inward unposted · flagged
OUTWARD GHOST SUCCESS NIP/2026/0418/O23 · ₦15,000 · 09:47:12
Bank ledger BankOne
SUCCESSFUL
response_code00
posted_at09:47:12
customer_notifiedyes ✓
stateSUCCESS (final)
vs
Settlement file NIBSS · S08
FAILED
response_code91 (no response)
sessionS08 · 12:00
funds_movedNO
stateFAILED (final)
Truss verdict
State SETTLING → FLAGGED, never reaches SETTLED. Customer believed paid. Money did not move.
ghost_success
INWARD UNPOSTED CREDIT NIP/2026/0418/I07 · ₦65,000 · 10:14:02
Bank ledger BankOne
NOT POSTED
credit_to_accountmissing
last_seen10:14:02 (inward leg)
customer_notifiedno
account_balanceunchanged
vs
Settlement file NIBSS · S09
CREDITED
response_code00
sessionS09 · 13:00
funds_receivedyes ✓
beneficiary0710****12 (your bank)
Truss verdict
State SETTLED_INWARD + UNPOSTED_FLAG. The rail delivered. Your customer never saw the money.
unposted_inward_credit
PROOF PANEL · OUTWARD GHOST NIP/2026/0418/O23 · ₦15,000
Bank ledger BankOne
SUCCESSFUL
session_id0418-O23-9871
amount15,000.00
response_code00
posted_at09:47:12
customer_notifiedyes
Truss canonical internal
FLAGGED
session_id0418-O23-9871
amount15,000.00
stateSETTLING → FLAGGED
detectorghost_success
flagged_at12:02:14 (S08 close)
Settlement file NIBSS · S08
FAILED
session_id0418-O23-9871
amount15,000.00
response_code91
sessionS08 · 12:00
funds_movedNO
Same session_id. Same amount. Settlement wins.
Open this row in the Truss dashboard, click the reference, and see exactly these three records. Verify against your own ledger. We never ask you to take a number on faith.
verify ⇢
ghost_success stale_pending unexpected_reversal missing_reversal duplicate_payout repush_exhausted credit_timeout_sweep out_of_order batch_failure velocity_spike duplicate_inward_credit missing_inward_notification unposted_inward_credit return_received return_credit_sla arrival_out_of_order amount_mismatch name_enquiry_mismatch session_id_collision unmatched_settlement ghost_success stale_pending unexpected_reversal missing_reversal duplicate_payout duplicate_inward_credit missing_inward_notification unposted_inward_credit amount_mismatch name_enquiry_mismatch
outward failure modes inward failure modes cross-cutting
Sample report · 30-day pilot window · single bank
₦0
₦0outward catches
₦0inward catches
0distinct transactions
A list, not a guess. Every figure resolves to a specific reference, openable, verifiable against your own ledger and the NIBSS settlement file you already receive.
Illustrative figures for demo purposes. Real client data is reported only to the client.
In short

Truss, the reliability layer for Nigerian payment rails.

  • Non-custodial. Never holds, settles, or moves your money.
  • Watches every transaction, outward and inward, in near-real-time.
  • Reconciles against the NIBSS settlement file, the authoritative truth.
  • Flags what silently fails: ghost successes, unposted credits, duplicates.
  • Sits beside the rail, never on the funds path.
Next, watch a real transaction stream move through it.
In summary

What you just saw.

  • End to end visibility, outward and inward, on every signed surface.
  • Four signed inputs, every signature verified before parsing.
  • One canonical record, idempotent on signed inputs.
  • 27 deterministic detectors, outward, inward, cross-cutting.
  • Proof per transaction, openable in your dashboard, verifiable against your own ledger.
  • Live in 30 days, shadow pilot first, zero rail integration changes.
One more thing.

No transaction should silently die.

truss.ng

Bring us a window of your traffic. We will reconcile it against your settlement file and show you exactly what was stuck, ghosted, or doubled. Short call, no obligation.

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