OPay

OPay is a Nigerian mobile payments and financial services platform founded in 2018 and headquartered in Lagos. It lets individuals, agents and merchants send and receive money, pay bills, buy airtime and data, save, apply for loans and use debit cards through its mobile app and agent network.

OPay operates under Central Bank of Nigeria licences and has become one of the country's most widely used fintech apps, having started as a broader super-app before focusing on financial services.