Biometric Identity & Payment Infrastructure

Palm.
Pay.
Prove.

Turn your palm into your identity, payment method, and access key.

Hoveritx enables secure authentication, instant payments, and tamper-proof identity verification using palm vein biometrics no cards, no PINs, no phones required.

▶ Request Demo Partner With Us

<300ms Auth Response

99.9% Uptime SLA

0% Raw Data Stored

Authentication

✓ Verified

Palm match • 0.3s

Transaction

GHS 250.00

Authorized via palm

What is Hoveritx

Identity infrastructure
for the palm age

Hoveritx is a biometric identity and payment infrastructure that allows people to authenticate, pay, and prove identity using their palm no additional hardware on the user's side required.

By reading the unique near-infrared vascular pattern inside your palm, Hoveritx creates a permanent, unforgeable digital identity that works across payments, access control, healthcare, and attendance systems.

No more lost cards. No more forgotten PINs. No more phones needed at every checkpoint. Just your hand.

Eliminates the need for

🪪 Physical Cards

🔢 PIN Codes

📱 Phones

🔑 Passwords

🖐

Your Palm. Your Identity.

Near-infrared sensors capture the unique vascular pattern beneath your skin a biometric that cannot be replicated, stolen, or forged.

Platform Stack

✦ Palm Vein Authentication
✦ Instant Payment Processing
✦ Digital Identity Verification
✦ Attendance & Access Control

Core Platform

Everything in
one biometric layer

A unified platform that handles authentication, payments, and identity across every touchpoint.

🖐

Palm Biometric Authentication

Sub-300ms verification using proprietary near-infrared palm vein scanning. FAR below 0.001% with ISO/IEC 30107-3 Level 2 certified liveness detection.

⚡

Instant Payments

Authorize and settle payments in milliseconds via palm scan. Integrates with MTN MoMo, Telecel Cash, AirtelTigo Money, and commercial bank APIs.

🆔

Identity Verification

Tamper-proof KYC and identity proofing tied to an individual's palm vein template. Compliant with Ghana NIA, Data Protection Act, and GDPR benchmarks.

📋

Attendance Management

Real-time attendance recording for universities, hospitals, and enterprises. Instant entry/exit logging with automated reporting dashboards.

🛡

Fraud Detection

Real-time risk scoring engine with velocity controls, AML monitoring, and anomaly detection. STR submission workflow built in for regulatory compliance.

🔐

Secure Infrastructure

AES-256-GCM encrypted biometric templates. HSM key management. TLS 1.3 in transit. Multi-AZ cloud deployment with 99.9% uptime SLA.

● IoT Connected · Near-Infrared Sensors

Proprietary Hardware

Hoveritx Palm
Scanning Devices

Hoveritx deploys proprietary palm-vein scanners that read the unique vascular pattern inside the human palm using near-infrared light invisible, contactless, and impossible to spoof.

🏪 Merchants 🏥 Hospitals 🎓 Universities 🏦 Banks 🏛 Government

👋 Contactless biometric authentication

⚡ Sub-second verification in under 300ms

📡 IoT connected with remote management

🔒 AES-256 encrypted biometric templates

🏗 Designed for high-traffic environments

How It Works

Three steps.
Milliseconds.

From registration to verified transaction Hoveritx makes the complex invisible.

📲

Register Your Palm

Enroll once through the Hoveritx mobile app or at a registered device. Your palm vein pattern is captured, converted to an encrypted mathematical template, and securely stored your raw image is never retained.

🖐

Hover Your Hand

At any Hoveritx-enabled device, simply hover your palm above the scanner. Near-infrared sensors read the unique vein pattern beneath your skin contactless, effortless, and hygienic.

✅

Confirmed in Milliseconds

Authentication completes in under 300 milliseconds. Payment authorized. Identity verified. Access granted. The entire flow happens before you even lower your hand.

Healthcare Solution

Healthcare Without
Identity Errors

Hoveritx transforms healthcare identity by giving every patient a permanent, unforgeable biometric ID tied to their palm. No more duplicate records. No more wrong-patient errors. No more paperwork.

Clinical Benefits

Eliminates duplicate patient records across systems
Prevents identity fraud and medication diversion
Accelerates patient verification from minutes to milliseconds
Enables secure cross-facility medical record access
Reduces administrative burden on clinical staff
Ensures medication is dispensed to the right patient

🏥

Hospital Check-In

Patients instantly verify identity at reception. No forms, no cards, no queues.

📋

Medical Records

Retrieve complete patient history securely across hospitals, labs, and clinics.

💊

Pharmacy Pickup

Patients verify identity at pharmacies to collect prescriptions safely and accurately.

🔬

Lab Verification

Biometric identity confirmation at laboratories ensures results reach the right patient.

Medical Record Network

Hospitals Pharmacies Labs Clinics Specialists

Industries

One palm.
Every sector.

Hoveritx infrastructure connects identity across industries that previously operated in silos.

🏦

Financial Services

Palm-authenticated payments at bank branches, ATM withdrawals via biometric, and mobile money authorization without USSD friction. Integrates with MTN MoMo, Telecel Cash, and commercial bank APIs.

🏥

Healthcare

Biometric patient identity across hospitals, pharmacies, and labs. Zero duplicate records. Instant check-in. Secure prescription dispensing. Compatible with any existing HMIS.

🎓

Universities

Student biometric enrollment and campus access control. Real-time attendance tracking for lectures, exams, and events. Admin dashboard with live reporting and automated exports.

🛒

Retail Payments

Merchant POS terminals accept palm payments instantly. No card readers, no PINs, no NFC friction. Sub-second checkout. Automatic settlement to merchant mobile money or bank account.

🏛

Government Identity

National ID verification and citizen authentication at government facilities, border control, and social protection programs. Linked to Ghana Card and NIA biometric databases.

🚌

Transportation

Fare payment and passenger identity at transit hubs, bus terminals, and ride-hailing checkpoints. Eliminate ticketing fraud and enable seamless contactless boarding.

Architecture

Enterprise-grade
infrastructure

Hoveritx is built on a microservices architecture designed for Sub-Saharan Africa's connectivity realities resilient, scalable, and ready for millions of users.

The backend biometric authentication engine processes palm scan templates against encrypted vaults in under 300ms, with circuit-breaker patterns ensuring continuity when payment rails experience disruption.

MTN MoMo Telecel Cash AirtelTigo Bank APIs NIA Ghana REST / SDK

Palm Scanning IoT Devices

Biometric Authentication Engine

Backend API Infrastructure

Mobile Application Layer

Merchant Dashboard

University Admin Dashboard

Telco MoMo & Bank Integrations

Security Architecture

Enterprise-grade
security by design

Security is not a feature at Hoveritx it is the foundation. Every layer of the platform is built assuming breach.

👁

Liveness Detection

ISO/IEC 30107-3 Level 2 certified anti-spoofing. Hardware and software liveness checks prevent synthetic palm artifacts from bypassing authentication. SOC real-time alerting on spoofing attempts.

🔐

Biometric Template Security

AES-256-GCM encrypted templates with HSM key management. Template pseudonymisation ensures biometric data cannot be linked to identity if extracted. Zero raw image retention.

🛡

Fraud Detection Engine

Real-time risk scoring on every transaction. Velocity controls, geolocation validation, and AML monitoring. Automatic STR submission for flagged transactions. Account takeover detection built in.

🔗

Network Security

TLS 1.3 for all communications. Certificate pinning on all mobile and device connections. mTLS for IoT device-to-backend. HMAC request signing prevents replay attacks.

📊

Audit Logging

Comprehensive tamper-evident audit logs for every authentication, payment, and administrative action. 7-year financial record retention. SIEM integration. Distributed tracing across all services.

☁

Cloud Resilience

Multi-AZ deployment with defined RTO of 4 hours and RPO of 1 hour. Auto-scaling infrastructure. Quarterly penetration testing. 99.9% availability SLA backed by contractual commitments.

Regulatory Compliance

Bank of Ghana Act 987 PCI-DSS v4.0 Ghana DPA 2012 AML / CFT GDPR Aligned

🌍

Our Mission

Built in Africa.
Designed for the World.

Hoveritx was built to solve the identity and payment challenges that have excluded hundreds of millions of Africans from the formal financial system then scaled globally.

Across Sub-Saharan Africa, over 400 million people remain unbanked not because they lack economic activity, but because legacy identity and payment infrastructure was never built for them. Hoveritx changes that. Your palm is your bank account. Your palm is your ID. No smartphone required. No literacy barrier. No exclusion.

400M+ Unbanked adults in Africa

54 Countries in target market

$1.4T African fintech opportunity

Palm.Pay.Prove.

Identity infrastructurefor the palm age