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101 Best Nigeria FinTech Startups – The Future of FinTech

This article showcases our top picks for the best Nigeria based FinTech companies. These startups and companies are taking a variety of approaches to innovating the FinTech industry, but are all exceptional companies well worth a follow.

We tried to pick companies across the size spectrum from cutting edge startups to established brands.

We selected these startups and companies for exceptional performance in one of these categories:

  • Innovation
    • Innovative ideas
    • Innovative route to market
    • Innovative product
  • Growth
    • Exceptional growth
    • Exceptional growth strategy
  • Management
  • Societal impact

Top Nigeria FinTech Startups

Data sourced from Crunchbase and SemRush.

OPay

OPay

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OPay is a company that enables users to accomplish more with their money by providing smart financial services.

Kuda

Kuda

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Kuda is a licensed digital bank that offers free full service banking services to Africans.

Kuda

OnePipe

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OnePipe builds and maintains APIs that enable banks to partner with modern digital services and fintech.

Kuda

Moove

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Moove is a mobility fintech company that provides vehicle financing to its customers and mobility entrepreneurs.

Kuda

Paystack

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Paystack lets businesses accept payments via credit card, debit card, money transfer and mobile money on their websites or mobile apps.

Kuda

Mono

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Mono creates an API financial platform that helps companies in collecting and managing bank transfer payments.

Kuda

TeamApt

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TeamApt is a financial technology company focused developing Digital Banking, Business Solutions and Payments Infrastructure.

Kuda

PayHippo

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PayHippo is an AI-Driven lending platform making it easier to finance small and medium sized businesses.

Kuda

PalmPay

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PalmPay is a simple and secure payment app that give rewards.

Kuda

Kudi

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Kudi is a financial service provider that focuses on providing access to electronic banking and financial services.

Kuda

Carbon

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Carbon ignites personal growth through financial innovation

Kuda

Brass

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Brass is a digital bank that provides small and medium businesses with a suite of products and tools designed to help them grow.

Kuda

Credpal

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Credpal is a tech company that allows consumers buy anything across various online and offline merchants and pay for it in installments

Kuda

Appzone Group

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Payments, Payment Infrastructure, Banking Software as a Service

Kuda

Okra, Inc.

Crunchbase Website Twitter Facebook Linkedin

Okra is the Open finance infrastructure that enables developers & businesses build personalised digital products/services.

Kuda

Lidya

Crunchbase Website Twitter Facebook Linkedin

Lidya is a financial services platform to improve access to credit and finance across frontier and emerging markets starting with Nigeria.

Kuda

Cowrywise

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Cowrywise is a FinTech company that democratizes access to premium financial services by making these services available to the mass market.

Kuda

Indicina

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Indicina is a digital lending platform that provides analytics-driven credit decision for lenders.

Kuda

Global Accelerex Limited

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Global Accelerex facilitates payments on physical and virtual channels with the use of debit and/or credit cards, USSD and account transfers

Kuda

Trove

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Trove allows you invest in publicly traded stocks,cryptocurrency assets & bonds from a click of a button

Kuda

Evolve Credit

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A loan and financial product marketplace that allows African consumers to find, compare, and apply for loan offers from select lenders.

Kuda

Fundall

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Fundall offers access to financial products and services that help individuals and businesses spend, grow, and manage their wealth smartly.

Kuda

Get It Done Now

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Nigerian Fintech Platform. Loans and Cashless Service Payments

Kuda

Instantcoins.ng

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Instantcoins.ng is an automated cryptocurrencies trading platform in Nigeria.

Kuda

Paylater

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Paylater is a digital financial services platform that specializes in consumer lending.

Kuda

Ojirehprime Financial Services

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Building a more transparent and customer focused bank that offers free debit cards, loans & innovative products that help you save

Kuda

Skye Wallet

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Africa’s Simplest Cryptocurrency Wallet & Exchange App (Mobile & Web). Buy, Sell, Receive, Send, Hodl, Swap & Spend Cryptocurrency in minute

Kuda

Fliqpay

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Fliqpay is a cross-border payment infrastructure for financial institutions and global businesses

Kuda

Crop2Cash

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Making formal financing accessible to farmers.

Kuda

Zilla

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Zilla is an innovative firm that enables Africans to live their best lives today by providing cheap and convenient financial services.

Kuda

Spacepointe

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Clearly Difference Financial Technology for the African Market

Kuda

KiaKia

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AI powered online market place for credit scoring and matching lenders with borrowers in real-time

Kuda

Flex Finance

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Simple expense management solution for businesses

Kuda

SureGroup

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Powering employee & customer rewards in Africa.

Kuda

Flux

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Flux is a mobile app that lets you send money, receive money, make and accept payments across Africa.

Kuda

Glade

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Glade is a Fintech startup that provides banking services to small businesses to help them grow and manage their money more effectively.

Kuda

TopCheck

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TopCheck.com.ng is a platform for comparing financial services like insurance, credit cards or loans.

Kuda

i.Sec

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i.Sec is a financial security service that allows its users to approve and decline unwanted and malicious transactions.

Kuda

Kolopay

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KoloPay is a mobile App that enables targets savings towards planned goals and users achieve goals at amazing discounts

Kuda

Joovlin

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Joovlin Storefront provides e-commerce tools to help suppliers and retailers grow their businesses.

Kuda

Allpro Technologies

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Allpro Technologies is a fintech startup.

Kuda

Wallet.ng

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Wallet.ng is a fintech startup that allows people and companies to send, receive, and make payments, using their phone numbers.

Kuda

Winich Farms

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Agritech Startup leveraging tech to connect rural farmers to Finance & Market, thus, increasing productivity and cutting post harvest loss.

Kuda

CreditClan

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CreditClan provides technology, data and operations for lenders and borrowers across Africa.

Kuda

Aboki Africa

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Aboki Africa is an a virtual global bank account for free to receive and make foreign payments or convert currencies, all in one place.

Kuda

Tomxcredit

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Tomxcredit empowers individuals and business owners by providing access to quick and affordable credit and savings product.

Kuda

Middletrust

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Africa’s most reliable escrow payment service provider.

Kuda

FINT

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Nigeria’s first peer to peer lending platform

Kuda

Baxi Box

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Baxi Box provides a cash-in/cash-out offering as well as value-added services – account opening, money transfer, bill payment and more.

Kuda

Tangerine Life

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Tangerine Life is a financial technology company that consistently goes the extra mile to improve the financial security of our consumers.

Kuda

Bantu Blockchain Foundation

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A non-profit entity that empowers individuals and organizations across all industries using its Bantu blockchain technology.

Kuda

Crowdyvest

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Crowdyvest is an impact-driven cooperative society that creates financial solutions for individuals and businesses to achieve their goals.

Kuda

Naijacrypto

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Cryptocurrency Exchange and Utility Platform.

Kuda

ITEX Integrated Services

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ITEX Integrated Services is an innovative FinTech company that designs and deploys secure and convenient Online & Mobile payment solutions.

Kuda

Lendsqr

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Lendsqr is a cloud-based, lending platform designed for small and medium-sized lenders, providing smart features at a zero upfront cost

Kuda

Lendigo

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Lendigo is a fintech company that provides loans and financing opportunities for SMEs.

Kuda

BeepTool

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Affordable satellite & TV whitespace Internet Connectivity As a Service and Integrated Digital Inclusion Services for the Excluded Community

Kuda

Parkway Projects

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Parkway is a leading financial technology provider creating modern banking experiences, proudly developed by Africans.

Kuda

Bongalow

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Bongalow is a mobile-powered home financing marketplace that enables Africans at home and abroad shops for the best home loan.

Kuda

Amplified Payment System Ltd (Amplify)

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Amplify builds next-generation payment solutions for banks, businesses and consumers in Africa.

Kuda

HerVest

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HerVest is a social enterprise that promotes financial inclusion for women by employing a Gender Lens Investment (GLI) strategy.

Kuda

DARA

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Fund raiser saving and contribution an online app that helps raise, save and contribute fund for long or short teams project

Kuda

PayedIn

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PayedIn is a digital marketplace powering the offline to online transition of merchants and customers through technology.

Kuda

AjoMoney

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Digital rotating money-saving group to save, lend, borrow and earn money. Helping you meet your urgent financial needs.

Kuda

Blockchain4Africa

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Blockchain4africa is building a financial ecosystem called KUDI Ecosystem using blockchain technology to boost Africa’s economic growth.

Kuda

eAjor ltd

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Nigeria’s first digitalized co-opeerative helping members meet financial goals via periodic rotational contributions

Kuda

nibox

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Nibox is a merchant aggregator and mobile payments company that aims to simplify transactions via a self-service kiosk infrastructure.

Kuda

SureCredit

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SureCredit is a voucher financing platform for employees of selected companies

Kuda

Esusu Africa

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Esusu Africa is the financial technology platform helping individuals save money and build credit.

Kuda

Sumotrust

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A savings and investment company for low and middle class earners

Kuda

NowNow

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NowNow aims to democratise the mobile money space in Nigeria & Africa.

Kuda

Transfy

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Transfy is a Fintech startup on a mission to connect individuals and businesses across Africa financially.

Kuda

Swipe

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We build SaaS and B2B products for Banks, FinTechs and the finance sector in Africa.

Kuda

Chiji14xchange

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Chiji14xchange is a Crypto fintech company, That creates solutions for real world problems through Blockchain Technology,

Kuda

Trade Lenda

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Lending tech for MSMEs

Kuda

REACH

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REACH helps individuals master their personal finances and access credit responsibly.

Kuda

Kanz Invest

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Kanz Invest is a mobile app that allows Muslim investors in Africa access expert-managed US Dollars denominate investment securities.

Kuda

Fundit

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An e-deposit system that to deposit into bank account via USSD, mobile and web channel using fundit scratch card or airtime credit.

Kuda

swap.ng

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Swap.ng is a platform with various extensions enabling users and businesses to send, receive payment and pay bills.

Kuda

ComiBlock

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The World’s Most Human Crypto Robo Advisor.

Kuda

Kobolet

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Kobolet is a lending company building an ecosystem to enable people use crypto assets as collateral to secure cash loans.

Kuda

Payslice

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The Easiest Way to Pay Your Employees & receive paycheck

Kuda

Piggyvest

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Piggyvest is a platform that helps individuals and businesses manage their finances effectively.

Kuda

Prophius

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Prophius brings in-person and online mobile payments to the storefront in a clean and zero contact way.

Kuda

Oyana

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Ọyana is a fintech company that provides a payment infrastructure for global merchants and payment service providers.

Kuda

Kashbase

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Kashbase deepens financial access by providing financial solutions for low-to-middle income consumers and SMEs.

Kuda

VISION-X CRYPTO

Crunchbase Website Twitter Facebook Linkedin

Vision-X Crypto is a FinTech company that facilitates payments through cryptocurrency with cost effective integration models.

Kuda

Zoto

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Zoto is Nigeria’s fastest growing mobile digital wallet/payments venture changing the way people pay for for online & offline services

Kuda

CoinNewsExtra

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CoinNewsExtra is a media platform that covers events on Fintech, AI, Blockchain, and Emerging Technologies.

Kuda

Payluk

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Payluk is a financial technology company providing payment protection(escrow) services for individuals and businesses.

Kuda

Globasure

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Globasure develops and provides effective end to end payment solutions that make living simpler. Our clients include FINTECH, banks & telcos

Kuda

FintechNGR

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FintechNGR is a fintech industry development platform in Nigeria.

Kuda

OneWattSolar

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OneWattSolar pays for, installs, owns and operates Solar Rooftop Energy Unit using via energy-as-a-service model in Sub-Saharan Africa.

Kuda

Aviv Wallet

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Aviv helps users to access cash without using the ATM or POS systems

Kuda

RentCrowdy

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Peer-to-peer lending platform for rental financing in Africa

Kuda

AFRICA FinTech

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AFRICA FinTech is a agency, providing business news, financial market data, research and documentation about african stock markets.

Kuda

CowriePay

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CowriePay is dedicated to deepening financial services in emerging markets.

Kuda

ProNOV Health

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ProNOV is a business intelligence solution for drugstores.

Kuda

Pepper Rest Africa

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Social Payments provider

Kuda

SnapCredit

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SnapCredit is an online lending platform that offers credit solutions to employees.

Written by Warren Tesla

My name is Tesla and I am the pseudonym used by The Stratup Pill's broad writing team.

About me: Founder, CEO, CTO, CFO, CMO, CISO, Director, Head of the Board, Head of the oversight board, Executive, Legal Council, Head of Hiring, HR Manager, Consultant.

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