By Cyriacus Nnaji, Lagos
Pan-African fintech leader, Moniepoint, has marked its 10th anniversary with the release of its 2025 Impact Report, spotlighting a decade of building financial infrastructure and deepening economic inclusion across Africa.
The report shows that the company has disbursed over $700 million in working capital loans to MSMEs, while its vast POS network now serves more than 100 million people across urban and rural communities.
According to the 2025 Impact Report, Moniepoint’s interventions have translated into measurable growth for small businesses.
Key highlights include:
$700m+ to MSMEs: Thousands of micro, small and medium enterprises received targeted working capital, leading to a 36% rise in average transaction value among beneficiaries.
300% jump in loans to women: The fintech significantly scaled financing for women-owned businesses, improving access to capital and supporting livelihoods at community level.
100m+ people reached: Moniepoint’s POS terminals continue to power daily transactions, from busy Lagos markets to remote rural areas.
20m+ customers: Individuals and businesses now rely on Moniepoint for payments, banking and business tools.
91% merchant satisfaction: Nine out of 10 merchants surveyed said Moniepoint’s solutions improved how they run their businesses.
Global recognition: The company was named on TIME’s 2025 list of the World’s Most Influential Companies and listed among Africa’s Fastest-Growing Companies by the Financial Times.
Moniepoint began in 2015 as TeamApt Ltd., focused on building payment switching infrastructure for banks and financial institutions. It achieved 99% transaction reliability at a time when downtime was a major pain point.
With deeper understanding of merchant needs, the company evolved beyond payments. Today it offers a full suite of digital financial services including business banking, credit, and now Moniebook — Nigeria’s first all-in-one digital bookkeeping and inventory management platform for small businesses.
Moniebook allows traders and shop owners to track stock, monitor profits, and see real-time performance data without needing an accountant.
The company also prides itself on its hyperlocal agent network. Moniepoint says the agents help break down barriers of geography and language, bringing financial services closer to the people. The network has also partnered with government agencies to distribute grants and agricultural inputs to farmers in rural communities.
“Financial Happiness” As The Mission
Speaking on the milestone, Tosin Eniolorunda, Co-Founder and Group CEO of Moniepoint, said the company’s original goal remains unchanged. “Ten years ago, we began this journey with a simple but audacious goal: to build financial infrastructure that worked for everyone, whether as institutions, merchants or individuals. Today, that goal has crystallised into a definitive mission — creating a world where every African, everywhere, can experience financial happiness,” he stated.
Eniolorunda defined financial happiness beyond buzzwords. “It is the confidence that comes when a business owner in Onitsha can confirm a payment instantly, when a pharmacist in Lagos can restock life-saving medication through a working capital loan, and when a farmer in Borno can move produce across the country with trust,” he said.
He described 2025 as a defining year characterized by disciplined growth and deeper social impact. According to him, Moniepoint is no longer just providing fintech products, but building infrastructure that supports long-term economic transformation across the continent.
With 10 years behind it and over 20 million customers served, Moniepoint says its focus for the next decade will be scaling credit access, deepening agent networks, and creating more tools that help African businesses thrive.
