diff --git a/app/Config/Routes.php b/app/Config/Routes.php
index b564e79..0cd86c3 100644
--- a/app/Config/Routes.php
+++ b/app/Config/Routes.php
@@ -11,4 +11,12 @@ $routes->get('/', 'Home::index');
 $routes->post('/digibko/v1/identity/token',   'DigiFiAuth::startBkoToken');
 
 
-$routes->post('/digiusers/v1/identity/otoken',  'DigiFiAuth::starttoken');
+$routes->post('/digiusers/v1/bvn',                  'DigiFiBVN::startBVNVerify');
+$routes->post('/digiusers/v1/bvn/verify',           'DigiFiBVN::completeBVNVerify');
+
+$routes->post('/digiusers/v1/dash',                 'Users::userDash');
+
+$routes->post('/digiusers/v1/loan/apply',           'Loan::loanApply');
+$routes->post('/digiusers/v1/loan/loanlist',        'Loan::loanlist');
+
+
diff --git a/app/Controllers/DigiFiAuth.php b/app/Controllers/DigiFiAuth.php
index 7898d44..c9a7da2 100644
--- a/app/Controllers/DigiFiAuth.php
+++ b/app/Controllers/DigiFiAuth.php
@@ -33,7 +33,7 @@ class DigiFiAuth extends BaseController
             $payload = array(
                 "iss" => "Issuer of the JWT",
                 "aud" => "Audience that the JWT",
-                "sub" => "Subject of the JWT",
+                "sub" => "Backoffice VerifiedT",
                 "iat" => $iat, //Time the JWT issued at
                 "exp" => $exp, // Expiration time of token
                 "user_detail" =>$final_out,
@@ -44,6 +44,8 @@ class DigiFiAuth extends BaseController
             $response = [
                 'message' => 'Login was successful',
                 'call_return' => '100',
+                'name' => 'didiFy Admin',
+                'username' => $data['username'],
                 'token' => $token
             ];
 
@@ -57,10 +59,5 @@ class DigiFiAuth extends BaseController
             ];
             return $this->fail($response , 409);
         }
-
-
-
-        //return json_encode( $response );
-
     }
 }
diff --git a/app/Controllers/DigiFiBVN.php b/app/Controllers/DigiFiBVN.php
new file mode 100644
index 0000000..4084470
--- /dev/null
+++ b/app/Controllers/DigiFiBVN.php
@@ -0,0 +1,68 @@
+<?php
+
+
+namespace App\Controllers;
+
+use CodeIgniter\API\ResponseTrait;
+use Firebase\JWT\JWT;
+
+class DigiFiBVN extends BaseController
+{
+    use ResponseTrait;
+
+    var $request;
+
+    function __construct()
+    {
+        $this->request = \Config\Services::request();
+    }
+
+
+    public function completeBVNVerify(){
+
+        return $this->respond([], 200);
+    }
+    public function startBVNVerify()
+    {
+        $data = $this->request->getPost();
+
+        if ($data['bvn'] != '') {
+
+            $final_out = $data;
+
+            $key = getenv('JWT_SECRET');
+            $iat = time(); // current timestamp value
+            $exp = $iat + 3600;
+
+            $payload = array(
+                "iss" => "Issuer of the JWT",
+                "aud" => "Audience that the JWT",
+                "sub" => "Subject of the JWT",
+                "iat" => $iat, //Time the JWT issued at
+                "exp" => $exp, // Expiration time of token
+                "user_detail" => $final_out,
+            );
+
+            $token = JWT::encode($payload, $key, 'HS256');
+
+            $response = [
+                'message' => 'Verification text sent to user',
+                'call_return' => '100',
+                'verification_id' => 'e99c9c7555c97807b86b750cfe6323d15b2b09e561022205dc679534825f2acf'
+            ];
+
+            return $this->respond($response, 200);
+        } else {
+            $response = [
+                'message' => 'Login failed',
+                'call_return' => '100',
+                'token' => ''
+            ];
+            return $this->fail($response, 409);
+        }
+
+
+        //return json_encode( $response );
+
+    }
+}
diff --git a/app/Controllers/Loan.php b/app/Controllers/Loan.php
new file mode 100644
index 0000000..664875e
--- /dev/null
+++ b/app/Controllers/Loan.php
@@ -0,0 +1,26 @@
+<?php
+
+namespace App\Controllers;
+
+use CodeIgniter\API\ResponseTrait;
+
+class Loan extends BaseController
+{
+    use ResponseTrait;
+
+    var $request;
+
+    function __construct()
+    {
+        $this->request = \Config\Services::request();
+    }
+
+    public function loanApply(){
+
+        return $this->respond([], 200);
+    }
+    public function loanlist(){
+
+        return $this->respond([], 200);
+    }
+}
\ No newline at end of file
diff --git a/app/Controllers/Users.php b/app/Controllers/Users.php
new file mode 100644
index 0000000..d03f87e
--- /dev/null
+++ b/app/Controllers/Users.php
@@ -0,0 +1,24 @@
+<?php
+
+namespace App\Controllers;
+
+use CodeIgniter\API\ResponseTrait;
+
+class Users extends BaseController
+{
+
+    use ResponseTrait;
+
+    var $request;
+
+    function __construct()
+    {
+        $this->request = \Config\Services::request();
+    }
+
+    public function userDash(){
+
+        return $this->respond([], 200);
+    }
+
+}
\ No newline at end of file