How it works

What happens when you send something

First, a library of rules built from scam patterns seen in Nigeria — advance fees, look-alike bank domains, requests for an OTP, prize-claim charges. These are deterministic: if one fires, it sets a floor the rest of the system cannot talk down.

Then an AI model reads the whole thing, including the text inside a screenshot, so wording we have never seen before can still be caught.

Any link is inspected separately: where it actually ends up after redirects, how old the domain is, whether it imitates a known brand, its certificate, and whether it appears on a phishing blocklist.

The four levels

High risk — strong warning signs. Do not send money.

Caution — some warning signs. Slow down and verify before you pay.

Inconclusive — we could not read enough to judge it. Verify it yourself.

No obvious red flags — nothing we look for turned up. That is not the same as knowing who you are dealing with.

The limits, plainly

A new scam with wording nobody has seen can pass a check. A clumsy but honest message can be flagged. We are a second opinion, not a verdict on a person.

We show what we found and how we found it, so you can judge the reasoning rather than trust the label.

What we will never do

Ask for your PIN, OTP, BVN, password or card details. Nobody from SKAMCHEK will ever ask, by any channel.

Call you, or message you first. We have no phone line and we do not cold-contact anyone.

Tell you that something is genuine, or promise that a person or business can be trusted.

Publish what you submitted, or name anyone in a shared result.