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Institutional Protection Standards

Institutional Payment Security & Split Architecture

Traditional Nigerian mentorship is plagued by unpredictable direct transfers, coach no-shows, and zero refund recourse. NetFuse solves this with automated 80/20 Paystack subaccount splits, dispute protection, and Ninja KYC biometric verification system.

Paystack PCI-DSS Level 1 Gateway NIMC & BVN Biometric Clearance 100% Satisfaction Guarantee

Four Layers of Transactional Defense

How we protect every Naira between booking, video call delivery, and coach bank settlement.

Financial Layer

Paystack Subaccount Direct Split

Booking funds never go into arbitrary personal accounts. Payments are processed through Paystack’s PCI-DSS Level 1 compliant gateway and programmatically split (80% coach / 20% platform) with dispute protection.

Identity Layer

Ninja KYC Biometric Verification

Zero anonymous actors. Every coach and mentor must undergo real-time biometric verification against the Nigerian National Identity Management Commission (NIMC) NIN and Bank Verification Number (BVN) registers.

Telepresence Layer

Agora RTC Session Duration Auditing

Attendance is mathematically verified through telemetry. Agora RTC channel presence logs verify when both participants connected and confirmed mutual advisory time.

Protection Layer

100% Client Money-Back Guarantee

If a coach fails to attend, disconnects prematurely, or fails to deliver the booked session, funds are returned immediately to the mentee with zero administrative deduction.

State Machine Breakdown

The 5-Step Settlement Lifecycle

Session funds move only through programmatic milestones with zero manual intervention.

01Verified

Checkout & Subaccount Routing

State: SPLIT_INITIALIZED

Mentee books a 1-on-1 session. Funds are processed via Paystack with automated 80/20 routing to the coach’s verified subaccount. Coach receives immediate booking confirmation.

02Verified

Dynamic Agora Room Generation

State: RTC_INITIALIZED

An ephemeral Agora RTC token is generated with dual-participant permissions. No third-party links or unmonitored meeting tools.

03Verified

Session Conduct & Heartbeats

State: SESSION_IN_PROGRESS

Audio/video transmission occurs over Agora’s low-latency network with continuous session telemetry auditing and connection logs.

04Verified

Mutual Confirmation Window

State: COMPLETION_VERIFIED

Both parties sign off on session completion, or automated duration thresholds verify full session delivery.

05Verified

Automated 80/20 Split Disbursement

State: SETTLED

The settlement executes automatically: 80% is credited directly to the coach’s verified bank subaccount, and 20% to NetFuse infrastructure.

Zero-Risk Guarantee

Dispute Resolution & 100% Refund Terms

We believe that trust is earned through accountability. If a booked session fails to take place or falls short of verified requirements, you are fully covered:

Coach No-Show: 100% instant refund back to mentee's original payment method if coach does not connect within 15 minutes of scheduled time.
Technical Fault Interruption: If Agora connection fails for over 50% of the session duration, session can be rescheduled or refunded immediately.
24-Hour Dispute Window: Both parties have a 24-hour review period after session conclusion to raise any concerns to the NetFuse compliance desk.

Supported Nigerian Payment Rails

Payments are processed in Nigerian Naira (₦) through Paystack's redundant direct banking integrations:

💳 Mastercard & Visa
🇳🇬 Verve Cards
🏦 Direct Bank Transfer (NIP)
📱 USSD & Mobile Money

Ready for Verified Mentorship?

Download the NetFuse mobile app for iOS and Android to complete biometric onboarding, connect your bank account, and book sessions with 100% buyer protection.