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Zuma in Nigeria

Africa’s largest consumer market and its most competitive fintech arena — where the incumbents are payment-led and no one has assembled the full service stack.

33

services live

8

cities mapped

NGN

local pricing

223.8M

people

How you pay in Nigeria

Everything is priced in NGN (₦). No foreign card required.

OPay PalmPay Moniepoint Bank transfer Card USSD

Payments in this market fall under Central Bank of Nigeria (CBN). See our licensing status →

Cities

Lagos Kano Abuja ★ Ibadan Port Harcourt Benin City Kaduna Enugu

★ capital

Rollout position

Nigeria is in tier 0 of Zuma's continental rollout, in the south & west wave.

Content served in: EN, HA, YO, IG

Live in Nigeria today

Every one of these is bookable right now, paid for in NGN.

Zuma Ride Every way to move, from a boda to a chauffeured fleet.

Zuma Pay Accept money from anyone in Africa, on any rail.

Zuma Wallet One balance that works in every country Zuma is live in.

Zuma Loans Credit priced on what you actually do, not what you can prove on paper.

Zuma Commerce The everything marketplace, with the wallet and the courier already attached.

Zuma Agriculture From input to offtake, with credit and logistics in the same app.

Zuma Automotives Buy it, sell it, value it, fix it — the whole life of a vehicle.

Zuma Food Restaurant food, delivered.

Zuma Eats Find the table, book the table, walk in.

Zuma Restaurants The operator side: menus, orders, tables and payouts in one place.

Zuma Delivery Send anything across town, today.

Zuma Logistics Freight, customs and warehousing at business scale.

Zuma Housing Rent a place without paying a viewing fee to a stranger.

Zuma Real Estate Buy land and property with the title checked before you pay.

Zuma Living Everything between signing the lease and feeling at home.

Zuma Handy Men Skilled trades, vetted, priced before they arrive.

Zuma House Helps Domestic staff, background-checked and fairly paid.

Zuma Professionals Licensed professionals, with the licence actually checked.

Zuma Consultants Project-based expertise for businesses and institutions.

Zuma Freelance Digital and creative talent, paid without losing 30% to transfer fees.

Zuma Jobs Real vacancies, no application fees, ever.

Zuma Pharmacy Licensed pharmacies, real prescriptions, delivered discreetly.

Zuma Hotels Every kind of stay, bookable in local currency.

Zuma Tourism What to do once you have landed.

Zuma Safaris Africa’s highest-value travel product, booked direct from the source.

Zuma Air Tickets Book the flight and pay with the money you already have.

Zuma Flights Schedules, status and routes — the information layer.

Zuma Events Tickets that cannot be forged and money that reaches the organiser.

Zuma Theater The stage — plays, dance, spoken word and live performance.

Zuma Film Cinema showtimes and seats, without the queue.

Zuma TV African stories, streamed and monetised locally.

Zuma Aid Emergency help and community giving, with the money traceable.

Zuma Culture Heritage, language and community — the part of Africa no competitor is building.

Who else operates in Nigeria

An honest read of the market. Each of these does something well; none of them does all of it.

OPay 40M+ users

Payment-led super app with the deepest agent network in Nigeria.

Where Zuma differs: Zuma matches the payment rails and adds 30+ service verticals OPay does not operate.

PalmPay 35M+ users

Consumer wallet competing hard on transfer pricing.

Where Zuma differs: Zuma’s wallet is one module of a full service stack, not the whole product.

Moniepoint 10M+ users

Merchant acquiring and business banking at scale.

Where Zuma differs: Zuma Pay covers acceptance, then brings the merchant demand from 30+ consumer modules.

Chowdeck 1M+ users

Fast-growing Nigerian food delivery.

Where Zuma differs: Zuma Food matches the delivery product and adds dine-in, ticketing, rides and payments on the same account.

Jumia 8M+ users

The continent’s largest e-commerce marketplace.

Where Zuma differs: Zuma Commerce shares one wallet and one courier fleet with 30+ other modules.

Nearby markets

🇬🇭Ghana 🇧🇯Benin 🇨🇮Côte d’Ivoire 🇸🇳Senegal 🇹🇬Togo 🇧🇫Burkina Faso 🇨🇻Cabo Verde 🇬🇲Gambia