The platform aims to solve the problems of fragmented financial services, slow transactions, and monthly payment limits.

Zepay, a fintech solution developed by a Nigerian startup, allows users to pay bills, make bank transfers, and earn loyalty points that can be converted into cashback or discounts, all with no transaction limits. The company was founded in 2025 by Daniel Charles-Iyoha.

“Our differentiation lies in zero transaction limits, reward-based engagement, and a future-ready investment layer,” said Charles-Iyoha.

The platform integrates core banking functionalities through partnerships with a Nigerian bank and a local fintech company. Zepay is also preparing to launch savings and investment options, including stocks and mutual funds.

“Early traction includes successful MVP deployment, integration of core banking features, and partnership activations,” Charles-Iyoha stated. “While exact user numbers aren’t public yet, we’re seeing growing engagement through our app ecosystem, with promising retention driven by the rewards system.”

Adoni Conrad Quenum