ZUMA
One Continent, One Wallet
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ZUMA
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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.
Everything is priced in NGN (₦). No foreign card required.
Payments in this market fall under Central Bank of Nigeria (CBN). See our licensing status →
★ capital
Nigeria is in tier 0 of Zuma's continental rollout, in the south & west wave.
Content served in: EN, HA, YO, IG
Every one of these is bookable right now, paid for in NGN.
An honest read of the market. Each of these does something well; none of them does all of it.
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.
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.
Merchant acquiring and business banking at scale.
Where Zuma differs: Zuma Pay covers acceptance, then brings the merchant demand from 30+ consumer modules.
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.
The continent’s largest e-commerce marketplace.
Where Zuma differs: Zuma Commerce shares one wallet and one courier fleet with 30+ other modules.