DIP brings telecom and banking risk data into one governed national network for the Democratic Republic of Congo — and puts an assistant in front of it. Search a business, see exposure, see how many institutions already report it, and decide in minutes — without any institution ever seeing another's customers.
New — Dival AIAsk DIP a question →Business · Kinshasa · Multiple matched records
Driven by obligations over a year overdue, reported by more than one participating institution. The total owed is weighed in four wide bands, never disclosed as a figure.
Dival AI
Type what you want to know and DIP answers it — companies over a threshold, what moved this week, who to chase, why one business reads as risky. The assistant reads the question; the platform counts the answer from records you are already entitled to see. Every figure can be opened and checked.
CREDIT ANALYST
“Why is Grand Horizon SARL considered high risk?”
Dival AI: Two institutions report an obligation. Your own file holds three records, the oldest unpaid for 412 days, and the DIP Risk Indicator reads 67 of 100 — driven by the age of the obligation and by more than one institution reporting it. Fraud indicators and dispute history are not scored at all, and the answer says so rather than reporting them as clear.
PORTFOLIO MANAGER
“Which businesses owe us more than 20,000?”
Dival AI: Fourteen companies, 640,200 USD owed to you, four of them unpaid for over a year. That total is your exposure and not the market's — DIP never discloses what another institution is owed. Narrowing to companies more than one institution reports would cost fourteen of your hourly inquiries, and the answer quotes the price before spending it.
Grounded by design: the assistant chooses from a fixed set of questions and never writes its own query, so it can only ever reach data you could already see. It shows you what it understood before it answers, and names anything it deliberately left out.
Not a roadmap. Each of these is in the product now, in French and English, with row-level isolation between institutions and an audit trail behind every action.
DIP is designed to become a nationally trusted infrastructure where approved institutions can securely contribute, validate, and consult risk intelligence while retaining ownership of their operational data.
Search businesses and individuals across available participating data sources using names, identifiers, phone numbers, account references, and other approved attributes.
Explore search →Match inconsistent names, aliases, identifiers, phone numbers, and historical records to create a trusted entity profile with confidence scoring.
Explore identity →Combine payment behaviour, aging, exposure, how many institutions report, and how firmly the subject was identified into one figure — with every weight published, and the two factors the platform refuses to score named beside it.
Explore risk →Surface unusual search behaviour by an institution's own users, repeated defaults, conflicting information, and data-quality problems. Not duplicate identities: the registry's uniqueness rules make one document under two subjects impossible, so a detector for it would report nothing forever.
Explore fraud →Start with secure file ingestion today. Evolve toward real-time APIs and multi-institution intelligence as participating organizations connect.
Excel, CSV, and secure uploads — every raw row kept immutable, with provenance.
Schema checks, missing values, formats, reconciliation, and source quality.
Normalize names, detect duplicates, match entities, and assign confidence.
Exposure, aging, how many institutions report, identity confidence, and thirteen months of trend.
Search, Ask DIP, risk indicators, evidence packs, watchlists, dashboards, and human review.
The reason a competing operator will join is not what the exchange reveals. It is what it refuses to.
Enforced by the database, not by the application. A participant's rows are unreadable to another participant's connection; the exchange relaxes reads for one specific question and never relaxes writes.
Every inquiry is rate-limited and recorded with a stated purpose. Each one is individually legitimate — the aggregate is what turns a lookup service into a bulk export.
The DIP Risk Indicator is a sum of stated factors, each published with its weight. It is an indicator rather than a credit score, and it says so: 0 is no adverse information and 100 is the most the platform can observe.
Factors influencing assessment
| Payment behaviour | High risk |
| Debt aging | High risk |
| Reporting institutions | Moderate |
| Identity confidence | Strong |
| Fraud indicators | Not assessed |
| Outstanding exposure | Low |
| Dispute history | Not assessed |
Two factors are deliberately never weighed, and the reason for each is printed beside the assessment: disputes, which are already withheld from every answer the exchange gives, and fraud indicators, whose signal the registry's own uniqueness rules make impossible. Outstanding exposure joined them until August 2026, when counsel confirmed the operator files are in US dollars; it is now weighed in four bands wide enough that no sequence of readings recovers the amount.
Different users need different evidence. DIP maintains separate profiles, permissions, signals, and reporting for businesses and individuals.
Search organizations, consolidate operator records, review payment exposure, aging, account status, identifiers, business relationships, and risk indicators.
Business profile →Resolve identities using approved personal identifiers and historical records, surface payment behaviour and how many institutions report the person, and support responsible onboarding decisions.
Individual profile →Watchlist existing customers and portfolios, swept nightly for new debt, aging changes, write-offs, disputes, and material risk changes.
Portfolio monitoring →DIP is not another isolated database. Its long-term role is to provide a governed national intelligence network that banks, telecom operators, insurers, utilities, enterprises, and authorized public institutions can rely on when assessing identity, exposure, and risk.
Intelligence is derived from approved participating sources, with provenance retained for every record.
Participants retain ownership of their operational data while DIP applies governed sharing and access rules.
Searches, reports, exports, and risk reviews are designed to be logged and auditable.
The architecture supports growth from initial telecom datasets to a broader multi-industry national intelligence ecosystem.
DIP serves as the shared intelligence foundation while each industry receives workflows and risk views tailored to its own operating model.
Customer due diligence, business search, identity matching, pre-credit risk indicators, portfolio watchlists, and behavioural anomaly detection over your own users.
Banking edition →Shared telecom debt intelligence, aged exposure, how many operators report a subject, account history, identity resolution across operator books, and onboarding risk support.
TIX module →Identity verification, business due diligence, anomaly indicators, customer relationships, and configurable underwriting support signals.
Insurance edition →Assess service applicants, monitor unpaid balances, identify repeat defaults, and share approved risk information across participating networks.
Utilities edition →Search companies before offering credit, contracts, equipment, postpaid services, or supplier terms. Monitor strategic counterparties continuously.
Enterprise edition →Use governed identity, business, and risk intelligence for authorized public-sector verification, licensing, collections, and program-integrity workflows.
Public sector edition →Dashboards help decision makers see concentrations, aging, operator exposure, high-risk entities, recovery priorities, and data quality across the portfolio.
| Entity | Type | Exposure | Risk | Status |
|---|---|---|---|---|
| Grand Horizon SARL | Business | $184,000 | Moderate | Review |
| Atlas Distribution | Business | $96,200 | High | Active |
| Customer 01984 | Individual | $2,480 | Low | Clear |
| Regional Services Ltd | Business | $61,500 | High | Monitor |
Illustrative figures. DIP shows an institution its own exposure in full and never another institution's — a real version of this table is your book, not the market's.
A shared bad-payer list decides who can open a line, take a loan, or win a contract. That is real power over people who did not choose to be in it, and the rights below are built rather than promised.
A person can obtain their whole file across every participating institution — not only the one whose office they happened to walk into.
A contested record stops being reported to other institutions the day the dispute is raised. Before the decision, not after: the harm of being wrongly listed accrues every day the listing stands.
Every record carries an expiry set from the date the obligation fell due, never from the date it was reported — so reporting a debt late cannot keep somebody listed for longer. When it passes, the record is deleted rather than hidden.
Looking somebody up never creates them. Somebody who comes forward to ask whether they are listed does not become listed by asking.
Behind an entry in this registry is a household. That is the whole reason the rights above are built rather than promised — and the reason a registry that works matters at all, in a market where most people have no credit file to be judged on.
Retention periods are configuration, not constants, because they are legal periods. Counsel advised five years in August 2026 and that is what the platform applies; the settings screen names the origin of every value, and the one figure nobody has yet been asked about still says so.
Each participating institution owns its operational data. DIP decides who may read what, records every access with the purpose it was given, and keeps one institution's records out of another's reach at the database.
Users see only the data and actions permitted for their organization and function.
Every inquiry, declaration, import and decision is recorded — with the account that did it and the purpose it was given. Rows are appended, never edited.
Share the intelligence required for a decision without exposing the underlying operational data.
DIP supplies the evidence and publishes how it was weighed. The institution decides.
Start with existing telecom spreadsheets. Add new institutions, APIs, and risk capabilities as the network grows.