Watu

Watu is an asset financing technology company focused on expanding financial inclusion and economic mobility for underserved entrepreneurs across Africa. Operating as a specialized non-bank financial platform, Watu provides flexible pay-as-you-go financing solutions for two- and three-wheelers—including commercial motorcycles (okadas) and tricycles (keke napeps)—as well as smartphones and electric mobility assets. Supported by digital loan management tools, flexible daily or weekly payment options, and strategic ecosystem partnerships, Watu aims to remove traditional credit barriers, drive last-mile transport, and empower micro-entrepreneurs to build sustainable livelihoods across Nigeria and the broader continent.