Creating financial
services for the


Bridging the
Financial Inclusion

At TeamApt, we aim to truly bridge the financial inclusion gap. We empower underserved individuals & businesses in emerging and frontier markets with a range of financial services.

Our products act as the financial access lifelines for individuals and businesses in otherwise hard to reach communities, enabling them to access and manage their money more efficiently.

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How we started

Founded in 2015, TeamApt’s initial approach to delivering financial happiness was by creating financial solutions aimed at optimizing the operations of partner banks and financial institutions. Our focus was on improving the experiences of the customers and businesses that these institutions served.

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Making strides

By 2017, we were servicing 26 financial institutions. Our products helped them optimise their core bank back-office operations and improve the service experience for their over 10 million customers.

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Breaking new frontiers

In 2018, we realised fulfilling financial happiness through others was not enough, as it still left a lot of people excluded from financial services. After confronting this fact, we had to evolve and take a more direct approach to achieve our mission. Using our industry experience, technical depth and customer-first approach, we started working on direct consumer & business-facing products.


100k onboarded businesses



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Launched in 2019, Moniepoint uses a network of mobile money agents to provide financial services to unbanked and underbanked individuals in their communities. Using our mobile app and POS terminals, Moniepoint agents can offer financial services like cash withdrawal, cash deposit, funds transfer, airtime purchase and bill payments to these individuals

30k Agents

23 Million transactions (per month)

23% user growth (Mom)

N 397 Billion value transacted (per month)

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Monnify empowers businesses in the formal & informal sectors with the right tools & solutions to manage their finances and grow their businesses. Businesses in the formal economy benefit from our payment infrastructure that simplifies how they accept, manage and make payments. While smaller-scale businesses and entrepreneurs benefit from our market-community focused products that give them accessible, affordable and convenient short term working capital.

1600 businesses

1.2 Milliontransactions (Per Month)

21% User Growth (MoM)

N51 Billionvalue transacted (per month)

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What comes next?

Since our founding, over 15 million customers, 100,000 businesses, and top-tier banks depend on TeamApt’s solutions and infrastructure to provide financial inclusion, create unforgettable customer experiences and deliver economic growth for developing markets. While exciting, it's just a milestone for us, as 60% of the population in emerging and frontier markets remain unbanked or underserved, so there is still work to be done.





The Future



Our mission of bringing financial happiness to a billion people would need us to not only develop products, but also the individuals, teams and the environment to get it done. This is why we are very conscious of our people, values and culture.


In the news


TeamApt anticipates unicorn bells on the back of $16bn agent banking blitz

17 Jun. 21

Tech In Africa

TeamApt has launched a Women in Tech 2021 Internship Program

29 Mar. 21

Business Day

Nigeria’s TeamApt reiterates commitment to deepen Africa’s financial services industry

22 Jun. 21

Disrupt Africa

Fintech startup TeamApt now operates Nigeria’s largest non-bank mobile money platform

21 Oct. 20

Wharton Fintech Podcast

Tosin Eniolorunda, Founder & CEO of TeamApt – Delivering Financial Happiness

29 Apr. 21

Forbes Article

From Self-Funded To Series A - How TeamApt Is Transforming Africa's Payment Sector

11 Mar. 19


Nigerian fintech firm TeamApt raises $5M, eyes global expansion

28 Feb. 19

CNBC Interview

TeamApt closes $5.5mn Series A funding, mulls expansion

01 Mar. 19


Nigerian fintech startup, TeamApt raises $5.5 million in Series A round

28 Feb. 19


TeamApt secures switching license from CBN to power payment infrastructure solution, AptPay

06 Apr. 19

Sallam Gateway

Nigerian fintech TeamApt working on non-interest financing for SMEs

15 Oct. 20

Financial Times

Nigeria mobile money revolution delayed by scarcity of licences

12 nov. 20

Arise News

Fintech Startup TeamApt Now Operates Nigeria’s Largest Non-bank Mobile Money Platform

27 Oct. 20

Business Day

To grow financial inclusion we need to take offline transactions to excluded Nigerians

06 Nov. 20