Identity resolution
One human, fourteen sources, a single decision.
Probabilistic matching against South African authoritative records — DHA HANIS, FSCA, Master's Office, PASA, JSE registrars.
5 sources resolvedconfidence 96.2%
South African beneficiary intelligence
Intelligent Verifications
for Every Beneficiary.
An estimated R80 billion sits unclaimed across South African pension funds, insurers, banks and estates. xverified is the institutional verification platform that resolves identities, traces beneficiaries and reconnects rightful claimants — without violating POPIA.
R80bn
Unclaimed in SA, est.
14
Authoritative sources
98.4%
Match precision
Live trace · TX-9F2A41
Trusted by institutional administrators across SA
Sechaba Pension Fund
Aletheia Estates
Rivermark Insurance
Kgosi Liquidators
Stellengrove Trust
Vukani Provident
Boland Mutual
Thembekile Custodians
Sechaba Pension Fund
Aletheia Estates
Rivermark Insurance
Kgosi Liquidators
Stellengrove Trust
Vukani Provident
Boland Mutual
Thembekile Custodians
01The magnitude
R80bn
Conservative aggregate of unclaimed benefits sitting on the balance sheets of South African financial institutions. The true number is almost certainly larger.
- 01Pension funds & retirement annuitiesFSCA registers · Unclaimed BenefitsR47.6bn
- 02Long-term insurersASISA · policy lapsesR18.9bn
- 03Banks & dormant accountsPASA · dormant depositsR7.3bn
- 04Unclaimed dividendsJSE registrarsR4.1bn
- 05Deceased estatesMaster's Office unfinalisedR2.4bn
Why it stays unclaimed
Members move, names change at marriage, IDs are issued by Home Affairs in series, employers go under, and beneficiary nominations rot in filing cabinets. Most administrators have no lawful way to bridge those gaps at scale.
xverified does the unsexy work: matching weakly-keyed records against authoritative sources, resolving identities to a single human, and producing an audit trail an actuary will sign.
Recovered to date via the platform
R 1 247 938 412
Across 38 412 verified beneficiary releases · YTD 2026
02How it runs
A four-stage pipeline that an actuary, regulator and beneficiary can all defend.
Every record passes the same path. Every decision is journalled. Every release is reversible.
- 01
Ingest
Encrypted upload of legacy beneficiary records — pension files, policy ledgers, dormant balances. We accept whatever you have, however dirty.
SFTP · S3 · CSV · Oracle DB · DB2 - 02
Resolve
Probabilistic identity resolution against Home Affairs HANIS, Master's Office estate registers, FSCA pension registers and credit bureau footprints.
14 authoritative sources - 03
Verify
Liveness, biometric and POPIA-aligned consent. Every match is paired with a chain-of-evidence packet and human-reviewer queue for low-confidence cases.
POPIA Article 11 · FICA-grade - 04
Release
Claims pack delivered to your administrator. Funds release on your rails — we never touch beneficiary money.
Audit packet · actuary signed
03The platform
Built for administrators who answer to regulators, trustees and beneficiaries in that order.
Five primitives, one verifiable trail. Mix into your existing workflow or run as a managed tracing engagement.
Tracing copilot
Natural language for ops teams who hate SQL.
Type a question, get a defensible answer with a transaction ID. Every query is logged for the audit pack.
Prioritisation
Highest-confidence claims, surfaced first.
The queue re-ranks itself as new evidence arrives. Reviewers spend their hours where they matter.
- 01Mokoena, L. N.DHA96.0%
- 02Pillay, A. R.FSCA91.0%
- 03van der Merwe, J.Master84.0%
- 04Khumalo, S.FNB79.0%
- 05Naidoo, P.Liberty71.0%
Throughput
Designed for batches that don't fit on a laptop.
412 887 records a day, sustained, without dropping a single audit packet. Run a fund, not a pipeline.
Throughput · last 28 days
412 887+14.2%
records / day
03 Apr30 Apr
Source health
Live status of every authoritative feed.
If HANIS goes down, you'll know before your beneficiaries do.
- 14:02DHA HANIS · livep99 84ms
- 14:01FSCA pension · livep99 84ms
- 13:59Master's Office · degradedp99 412ms
- 13:54PASA dormant · livep99 84ms
04Who we serve
Five verticals. One unclaimed-benefits problem with five expensive faces.
- I
Pension funds & retirement annuities
Member moves, name change at marriage, employer dissolution.
Surface unclaimed liabilities for the FSCA Section 13 register.
R47.6bn - II
Long-term insurance
Policy lapses, beneficiary nominations stuck on paper.
Verify beneficiaries on legacy policies before the regulator asks.
R18.9bn - III
Banks & dormant accounts
Inactive deposits past PASA dormancy thresholds.
Lawful re-engagement under FICA, with audit trail per account.
R7.3bn - IV
Estate & trust administrators
Executor traces stalled at the Master's Office.
Resolve heirs against deceased estate registers in days, not years.
R2.4bn - V
Unclaimed dividend administrators
JSE registrar files with weak keying, stale addresses.
Reconnect shareholders via verified ID resolution.
R4.1bn
05The boring, important part
Defensible by
design.
Tracing beneficiaries in South Africa without violating POPIA is the actual product. Everything else is a feature.
- AES-256 at rest · TLS 1.3 in flight
- Immutable journal · WORM storage
- Data residency: Microsoft South Africa - North
POPIA-aligned
Article 11 lawful-basis logic baked in. Consent, purpose-limitation and minimisation enforced at the field level.
Information Regulator filed
FICA-grade KYC
Identity, address and source-of-funds verification at FICA Risk-Based standards. Outputs slot into your Money-Laundering Control Policy.
Schedule 3 ready
FSCA-aware
Outputs map to the FSCA Section 13 unclaimed benefit register and the Pension Funds Act Section 37C beneficiary determination.
Conduct Standard 3
06In the field
"We had two boxes of beneficiary nominations going back to 1998. xverified resolved 73% of them in eleven days. The actuary signed the trail without asking a follow-up question."
NM
Nondumiso Mhlongo
Principal Officer · Sechaba Pension Fund
38 412
Verified releases YTD
98.4%
High-confidence precision
11 days
Median trace-to-release
R1.24bn
Returned to claimants
14
Authoritative sources
0
POPIA breaches to date
07Engage
Find your
unclaimed.
We start with a sample sweep — typically 5 000 dormant records — so you see the recovery rate before you sign anything. Most engagements pay for themselves inside the first batch.