⚠️ SPENDVIRTUAL DEMONSTRATION ENVIRONMENT — NO REAL MONEY IS MOVED ⚠️

SpendVirtual

Powered by Remit Choice Limited

Monnify Review

SpendVirtual
Demo Environment

Welcome to the SpendVirtual demonstration platform. This isolated environment contains simulated data for your technical and compliance review — no real transactions are processed.

Company Overview

Company: Remit Choice Limited

Product: SpendVirtual — Cross-border money transfer platform

Registered: England & Wales, Company No. 14xxxxx

Address: Unit 7, Twelve O'clock Court, 21 Attercliffe Road, Sheffield S4 7WW

Corridors: UK/EU → Nigeria, Ghana, Kenya and expanding

Regulation: FCA-registered (pending), HMRC MSB registration

Payment Rails: Wise, Flutterwave, Monnify, Paystack, Stripe, RemitChoice

Agent Network: POS agents across Nigeria with KYB verification

Platform Capabilities

Multi-Corridor Transfers

GBP/EUR/USD to NGN, GHS, KES via Wise, Flutterwave, RemitChoice & more

Payment Orchestration

Intelligent routing across Stripe, Paystack, Flutterwave & Monnify

AML/KYC Compliance

Real-time transaction screening, risk scoring, document verification

Agent Network

POS agent onboarding, KYB verification, commission management

Compliance & Security Overview

AML/CFT

  • Real-time transaction screening
  • Risk scoring engine
  • Automated suspicious activity detection
  • Sanctions list checking

KYC/KYB

  • Document verification (AI-powered)
  • Face match verification
  • Business onboarding with UBO checks
  • Tiered verification levels

Security

  • 2FA / OTP login verification
  • Device fingerprinting & approval
  • Session management & timeout
  • Comprehensive audit logging

Demo Login Accounts

👤

Demo Customer

demo@spendvirtual.com

Send money, view dashboard, manage beneficiaries, complete KYC

🏪

Demo Agent

agent@spendvirtual.com

Manage customers, create transfers, view agent dashboard & commissions

🏢

Demo Business

business@spendvirtual.com

Upload invoices, create payments, view business dashboard & reports

🔒

Demo Admin

admin@spendvirtual.com

Full system: compliance, risk, user management, transaction monitoring

All demo accounts share the password: SpendVirtual@2026. After receiving your invite email, please set this password during registration. Demo accounts have restricted access — no production data, APIs, or secrets are accessible.

Monnify Reviewer Guide

1

Login

Use any demo account below to log into the platform

2

View Dashboard

Explore the role-specific dashboard with pre-loaded demo data

3

Complete KYC Demo

Walk through the identity verification flow (Customer account)

4

Create Beneficiary

Add a test beneficiary — Nigeria bank, Ghana mobile money, or Kenya bank

5

Send Money Demo

Initiate a simulated transfer — no real money is moved

6

View Transaction History

Browse 20 pre-loaded sample transactions across all statuses

7

View Compliance Dashboard

Review AML alerts, risk scores, and audit logs (Admin account)

8

Logout

End your session securely

Sample Transaction Scenarios

ScenarioCorridorAmountStatus
Standard remittanceEUR → NGN€100
Completed
Large value transferGBP → NGN£1,000
Completed
Mobile money payoutEUR → GHS€250
Completed
Pending compliance reviewUSD → NGN$500
Pending
Failed disbursementEUR → KES€50
Failed
Customer refundGBP → NGN£200
Refunded

© 2026 Remit Choice Limited trading as SpendVirtual. All rights reserved.

Unit 7, Twelve O'clock Court · 21 Attercliffe Road · Sheffield S4 7WW · United Kingdom

This demonstration environment is provided for Monnify's technical review purposes only.