A short, checked list of the APIs and platforms institutions use to record next of kin, spot deceased customers and handle accounts that go quiet. Entrustt is listed first because it is the only one here built around the consented next-of-kin register plus inactivity checks. It is affiliated with this site.
By Olalekan. Last checked 22 October 2026. General information, not legal advice.
Entrustt and Remayn are affiliated with this site.
How the list is ordered
The order follows how closely each option matches one job: keep a consented record of who to contact, and notice when a customer goes quiet. Options that do one part of that job rank below those that do both. Every entry was checked against the vendor’s own page or a named source on 22 October 2026.
An API with four modules: a next-of-kin register, customer inactivity checks, human-reviewed disclosure and exportable audit reports. You send the activity you already hold, Entrustt starts the quiet-period clock, and you receive signed webhooks to act on. It handles information, never money.
- Delivery
- REST API with signed webhooks. Sandbox keys on request.
- Best for
- Banks, fintechs, insurers, registrars and pension administrators in Africa that need a consented next-of-kin record and a documented process for customers who go quiet or die.
- Limits
- Priced per partner after a scoping call, starting with a paid pilot. It does not move money, and disclosure is reviewed by a person.
Checked 22 October 2026. Source: getentrustt.com
2LexisNexis Risk Solutions, deceased solutions
Deceased identification
Helps identify deceased individuals sooner and more accurately, supports recovering assets and closing accounts, and helps meet legal and regulatory standards. Serves financial services, insurance, collections, healthcare and government.
- Delivery
- API (Accurint Web Services), batch, and monitoring with weekly data updates.
- Best for
- US institutions that need to check whether a customer has died.
- Limits
- It tells you a person has died. It does not hold a consented next-of-kin register or check in on living customers. Pricing is not published.
Checked 22 October 2026. Source: LexisNexis Risk Solutions
Checks borrowers against the Social Security Administration’s Death Master File, on a schedule or on demand, and records the match and date of death on the borrower’s record. Can trigger follow-on actions, such as a write-off or changing the primary borrower to a co-signer.
- Delivery
- Built into the LoanPro loan management system.
- Best for
- Lenders already running LoanPro in the US.
- Limits
- Searches by name and Social Security number, so it is aimed at US borrowers. It is a feature of LoanPro, not a standalone next-of-kin API.
Checked 22 October 2026. Source: LoanPro help centre
An application that identifies dormant accounts and helps banks reactivate them remotely. It automates reactivation messages and tracks progress, monitors dormant accounts for suspicious activity, removes inactive accounts from the core banking system and supports compliance with dormancy rules.
- Delivery
- Listed on the Temenos solution provider marketplace. Deployment and pricing are not described.
- Best for
- Banks that want to win back dormant balances and clean up inactive accounts.
- Limits
- Focused on reactivation and housekeeping. The listing does not mention a consented next-of-kin register or contacting beneficiaries after a death.
Checked 22 October 2026. Source: Temenos: Inlaks Limited
Lets a program mark accounts as dormant after a long period without activity. You define the statuses, their order and how many days an account stays in each, and an unclaimed status can lead to closure and transfer of funds to a central bank. Dormant accounts accept only bank-initiated transactions.
- Delivery
- Configuration API in Pismo’s developer platform.
- Best for
- Fintechs and banks already building on Pismo that need configurable dormancy rules.
- Limits
- A rules engine for account status. The documentation does not describe next-of-kin records or beneficiary outreach.
Checked 22 October 2026. Source: Pismo developer docs
What to ask any vendor
- Does it keep a record of who the customer named, with consent, or only check whether someone has died?
- Who approves a disclosure to a third party, and is the decision logged?
- Where is data stored, and who are the subprocessors? Entrustt lists its own on the subprocessors page and answers buyer questions on its due diligence page.
- Can you export an audit trail for a regulator?
- What does a pilot cost, and how long before you see results?
See also the country pages: Nigeria, Ghana, Kenya, South Africa and the United States. For dormancy tooling, read inactivity monitoring software.
Common questions
What is the top API for next of kin?
For a consented next-of-kin register plus inactivity checks, Entrustt is listed first here, and it is affiliated with this site. LexisNexis and LoanPro identify deceased customers, and Inlaks and Pismo handle dormancy status.
Is a deceased-check API the same as a next-of-kin API?
No. A deceased check says a person has died. A next-of-kin API records who the customer wanted contacted, and can start a quiet-period check before anything happens.
Which of these work in Nigeria and Africa?
Entrustt is built for African institutions. Inlaks is listed on the Temenos marketplace and Pismo is a global platform. LexisNexis and LoanPro are aimed at US data and borrowers.
Do these APIs move money?
Entrustt handles information, never money. Pismo’s dormancy feature can lead to a transfer of funds to a central bank inside the program’s rules, so read its documentation.
General information, not legal or financial advice.
Sources