MoniePoint，尼日利亞龍頭商業支付和銀行服務平台之一，已獲得VISA的投資，這家數字支付公司在一份新聞稿中表示。
MoniePoint於2024年10月融資1.1億美金，成爲少數非洲獨角獸之一，已成爲其中之一

MoniePoint，尼日利亞龍頭商業支付和銀行服務平台之一，已經獲得了VISA的投資，這家數字支付公司在一份新聞稿中表示。

MoniePoint於2024年10月融資1.1億美元，成爲少數非洲獨角獸之一，已成爲該大陸上更成功的公司之一，建立了針對小型企業的強大金融服務業務。

 

*“VISA對Moniepoint的投資是我們長期致力於推動非洲數字經濟發展的最新例證，”* VISA中東歐、東歐和非洲地區總裁Andrew Torre在聲明中表示。

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)*“我們將通過創新的支付和軟件解決方案，使甚至最小的企業能夠蓬勃發展，這些解決方案允許[SMBs]擴展並開闢新的收入機會，同時優化他們的運營。”*

  

MoniePoint，前身爲TeamApt，成立於2015年，由Tosin Eniolorunda和Felix Ike創辦，旨在提升尼日利亞中小企業(SMBs)的金融服務獲取能力。

*“Visa的支持是對我們將非洲企業數字化和支持的願景的有力認可。我們共同的目標是加深金融包容性，使中小企業能夠獲得他們在日益數字化的經濟中蓬勃發展的工具和資源。”*

*考慮到非洲約83%的就業在非正式經濟中，我們非常希望擴大對正式金融體系的接入和參與，並推動非洲的經濟增長。”*

– Tosin Eniolorunda，MoniePoint Inc. 創始人兼集團首席執行官

 

其平台提供了一整套綜合服務，包括數字支付、銀行帳戶、信貸和管理工具。通過與VISA的合作，該公司旨在將其業務擴展到尼日利亞以外的地區，進一步鞏固其推動金融普惠的角色。

該初創公司每月處理超過10億筆交易，支付總量超過220億美元。根據發布的信息，該公司的收入增長超過150%。

MoniePoint擁有衆多投資者，其中包括：

* 發展夥伴國際
* 谷歌非洲投資基金
* Verod Capital、Lightrock
* QED投資者
* NovaStar 風險投資
* 英國國際投資
* FMO ( 荷蘭企業發展銀行 )
* 全球創投
* 努力催化劑

作爲2023年1月品牌重塑的一部分，MoniePoint 宣布將其總部從拉各斯遷至倫敦，這標志着其擴展影響力並進入下一個增長階段的雄心。

至於VISA，這是對非洲金融服務的最新投資，已經投資於：

* 交換機間
* 顫振波

它們也是獨角獸。

VISA還投資於:

* 尾瀨
* 工作支付
* Okhi 和
* 奧爾達

在2024年，四家初創公司從其VISA非洲金融科技加速器計劃的第一批畢業。

  

最新一期VISA非洲金融科技加速器項目的申請目前正在進行中，必須在2025年3月15日之前提交。

感興趣的各方可以通過此連結在VISA加速器項目網站上了解更多關於該項目和班級的信息。

MoniePoint, one of Nigeria’s leading business payments and banking services platform, has secured an investment from VISA, the digital payments company said in a press release.
MoniePoint, which raised $110 million in October 2024 to become one of few African unicorns, has emerged as one of the

MoniePoint, one of Nigeria’s leading business payments and banking services platform, has secured an investment from VISA, the digital payments company said in a press release.

MoniePoint, which raised $110 million in October 2024 to become one of few African unicorns, has emerged as one of the more successful companies on the continent, building a strong financial services business targeting small businesses.

 

*“VISA’s investment in Moniepoint is the latest example of our long-standing commitment to advancing digital economies in Africa,”* Andrew Torre, VISA’s regional president for central and eastern Europe, the Middle East and Africa, said in the release. 

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)*“We will enable even the smallest businesses to thrive through innovative payment and software solutions that allow [SMBs] to scale and open new revenue opportunities, while streamlining their operations.”*

  

MoniePoint, formerly known as TeamApt, was established in 2015 by Tosin Eniolorunda and Felix Ike to enhance access to financial services for small and medium-sized businesses (SMBs) in Nigeria.

*“Visa’s backing is a strong endorsement of our vision to digitize and support African businesses at scale. Together, we aim to deepen financial inclusion, enabling SMEs to access the tools and resources they need to thrive in an increasingly digital economy.* 

*Given that about 83% of employment across Africa is in the informal economy, we are very keen to widen access and participation in the formal financial system and drive economic growth across Africa.”*

– Tosin Eniolorunda, Founder and Group CEO of MoniePoint Inc.

 

Its platform provides an integrated suite of services, including digital payments, bank accounts, credit, and management tools. Through this partnership with VISA, the company aims to extend its reach beyond Nigeria’s borders, further solidifying its role in driving financial inclusion.

The startup processes over 1 billion transactions monthly, with a total payments volume exceeding $22 billion. The company has achieved revenue growth of more than 150% ‘in recent years,’ according to the release.

MoniePoint has no shortage of investors, who notably include:

* Development Partners International
* Google’s Africa Investment Fund
* Verod Capital, Lightrock
* QED Investors
* NovaStar Ventures
* British International Investment
* FMO (the Dutch entrepreneurial development bank)
* Global Ventures
* Endeavor Catalyst

As part of its rebranding in January 2023, MoniePoint announced the relocation of its headquarters from Lagos to London, signaling its ambition to expand its footprint and enter the next phase of growth.

As for VISA, this is the latest investment in African financial services, having already invested in:

* InterSwitch
* Flutterwave

which are also unicorns.

VISA also invested in:

* Oze
* WorkPay
* Okhi, and
* Orda

in 2024, four startups that graduated from the first batch of its VISA Africa Fintech Accelerator program.

  

Applications for the latest edition of the VISA Africa Fintech Accelerator program are currently underway and must be submitted by March 15 2025.

Interested parties can learn more about this program and cohort apply on the VISA Accelerator Program website via this link.

FUNDING | Nigerian Unicorn, MoniePoint, Secures Investment from VISA

融資 | 尼日利亞獨角獸 MoniePoint 獲得 VISA 投資

坦桑尼亞銀行已實施新的規定，以保護借款人免受濫用數字貸款實踐的影響，適用於二級小額金融機構。這些要求增強了透明度、客戶數據保護和行業聲譽，確保借款人在做出貸款決策時知情，同時維護消費者權益。

坦桑尼亞銀行(BoT)發布了新的要求，旨在保護借款人免受二級微型金融機構的濫用數字貸款行爲。

根據銀行的說法，這些要求旨在通過減少濫用借貸行爲和提高數字借貸市場的透明度，以確保遵守消費者保護原則。

此外，BOT旨在提升行業聲譽，增強消費者信心，並確保數字小額金融領域內借款人和貸款人之間的安全環境。

![](http://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)因此，數字貸款人需要清楚地顯示：

* 利率
* 手續費
* 費用
* 付款罰款
* 貸款限額，和
* 產品期限

在他們的平台上幫助客戶在申請貸款時做出明智的決策。

數字借貸平台還必須按照相關法律保護客戶的數據，並指明中央銀行註冊的微型金融服務提供商的名稱。

 

*“一家微型金融服務提供商必須擁有一個強大而安全的借貸平台，以進行數字借貸操作以及相關產品。”*

*坦桑尼亞銀行表示：“所提到的平台應可用並可以進行測試。”*

  

平台還必須使用清晰簡單的斯瓦希裏語或英語，提供聯繫方式，如電話號碼和電子郵件地址，並僱用知識豐富、精通信息通信技術的員工爲客戶提供技術支持。

 

*“一家獲得銀行的不反對函，允許其提供數字貸款產品和服務的微型金融服務貸款機構，不得運營超過一個數字平台，”* 銀行表示。

*“然而，一個數字借貸平台可以提供不止一種數字貸款產品或服務，”* 它繼續說道。

 

銀行還提醒小額金融機構不要訪問客戶的聯繫人列表或社交媒體帳戶，因爲坦桑尼亞中央銀行認爲此類行爲可能會在貸款還款延遲的情況下對客戶進行騷擾。

  

現有的持牌微型金融服務提供商如欲提供數字貸款產品和服務，需向銀行申請無異議函。

The Bank of Tanzania has implemented new regulations for tier-2 microfinance institutions to protect borrowers from abusive digital lending practices. The requirements enhance transparency, customer data protection, and industry reputation, ensuring informed loan decisions while safeguarding consumer rights.

The Bank of Tanzania (BoT) has published new requirements aimed at safeguarding borrowers from abusive digital lending practices by tier-2 microfinance institutions.

According to the bank, the requirements aim to ensure adherence to consumer protection principles by reducing abusive lending practices and improving transparency in the digital lending market.

Additionally, BOT seeks to bolster the industry’s reputation, build consumers’ confidence, and ensure a secure environment for both borrowers and lenders within the digital microfinance sector.

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)Consequently, digital lenders are required to clearly display:

* Interest rates
* Fees
* Charges
* Payment penalties
* Loan limits, and
* Product tenures

on their platforms to help customers make informed decisions when applying for loans.

The digital lending platforms must also protect customers’ data in compliance with the relevant laws, as well as indicate the name of the microfinance service provider as registered by the central bank.

 

*“A microfinance service provider must have a robust and secure lending platform for conducting digital lending operations with respective products.* 

*The referred platform shall be available and can be tested,”* said the Bank of Tanzania.

  

The platforms must also use clear and simple Kiswahili or English, provide contact information such as phone numbers and email addresses, and employ knowledgeable, ICT-savvy staff to offer technical support to customers.

 

*“A microfinance service lender that has obtained a no-objection letter from the Bank to offer digital loan products and services, shall not operate more than one digital platform,”* the Bank stated.

*“However, a digital lending platform can offer more than one digital loan product or service,”* it continued.

 

The banks also cautioned microfinance institutions against accessing customers’ contact lists or social media accounts, as the Bank of Tanzania believes such actions could be used to harass customers in cases of delayed loan repayments.

  

Existing licensed microfinance service providers who intend to offer digital loan products and services, are required to apply to the Bank for a no objection letter.

REGULATION | Digital Lending Platforms Must Now Indicate They Are Registered by the Regulator, Says Bank of Tanzania

法規 | 數字借貸平台現在必須表明它們已獲得坦桑尼亞銀行的註冊。

DePIN，或去中心化物理基礎設施網路，利用區塊鏈管理P2P硬件系統，如傳感器和能源網，通過加密貨幣激勵其運作，促進現實世界服務。

RIDE

WIFI

DECENTRALIZED

區塊鏈

加密貨幣

DePIN，即“去中心化物理基礎設施網路”的縮寫，正在作爲區塊鏈和去中心化技術的廣泛應用案例而獲得關注。

此用例涉及使用區塊鏈來運行和維護去中心化的物理硬件網路，例如傳感器、無線基礎設施、能源網以及其他應用。

通過戰略性地利用加密貨幣的代幣經濟學和區塊鏈技術，DePIN 激勵並協調整個對等 (P2P) 硬件基礎設施網路的運營。這種創新的方法已經被積極採用，以啓動和維持整個大陸的實際現實服務。

![](http://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb019283746574839201)

### DePIN的工作原理

DePIN, or decentralized physical infrastructure networks, utilizes blockchain to manage P2P hardware systems like sensors and energy grids, incentivizing their operation through cryptocurrency, fostering real-world services.

DePIN, an abbreviation for ‘decentralized physical infrastructure networks,’ is gaining traction as a widely embraced use case for blockchain and decentralized technologies.

This use case entails using blockchain to run and maintain decentralized networks of physical hardware such as sensors, wireless infrastructure, energy grids, and other applications.

Through the strategic use of cryptocurrency tokenomics and blockchain technology, DePIN incentivizes and orchestrates the operation of peer-to-peer (P2P) hardware infrastructure networks. This innovative approach is already actively employed to kickstart and sustain tangible real-world services across the continent.

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)### 

### How DePIN Works

USE CASES | From Ride-Sharing to Sharing WiFi Hotspots – A look At Decentralized Physical Infrastructure Networks in Africa

用例 | 從共享乘車到共享WiFi熱點 – 一窺非洲的去中心化物理基礎設施網路

WorldCoin 在肯尼亞投資了 480 萬美元用於區塊鏈教育，但批評者聲稱有效的宣傳幾乎沒有證據。首席執行官 Alex Blania 堅持在數據收集方面保持透明和徵得同意，盡管該公司的許可證已被暫停，並且正在接受審查。

LEDU

WorldCoin的母公司Tools for Humanity在肯尼亞投入了480萬美金，用於區塊鏈和加密貨幣教育以及信息通信技術的普及。

這由首席執行官亞歷克斯·布拉尼亞透露，他出現在一個調查該公司在肯尼亞活動的議會委員會面前。根據布拉尼亞的說法，公司通過第三方代理和合作夥伴執行了這些項目。

Blania繼續披露與多個利益相關者在教育倡議方面的合作，包括：

![](http://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)* 斯特拉斯莫爾大學
* 肯尼亞區塊鏈協會
* 美國商會在該國
* 非洲區塊鏈中心
* 新希望穆庫魯

然而，根據肯尼亞政府和批評者的說法，幾乎沒有任何證據表明在多次出現對該產品及收集生物識別數據目的缺乏認識的情況下，對WorldCoin用戶進行了任何教育。

盡管公司的許可證最近被暫停，Blania表示他們經營的是一家合法的企業，並打算在東非國家投入更多資金。

 

*“我們希望強調WorldCoin項目對肯尼亞的長期承諾。我們對肯尼亞人民的承諾是真誠的，我們始終努力誠實、合規，最重要的是保持透明，”*他說。

 

他駁斥了有關公司可能出售在註冊過程中收集的用戶數據的說法，並補充說，在處理個人數據之前，總是確保個人的自由和知情同意。

 

*“在肯尼亞收集的所有個人和生物識別數據都安全地存儲在美國、意大利、德國、波蘭或南非的服務器上，”* Blania 說。

 

然而，法律專家認爲，WorldCoin 面臨着艱巨的任務來爲其辯護。在一次與當地科技媒體的採訪中，科技律師梅沙克·馬西博表示，WorldCoin 必須證明它在收集和處理肯尼亞人的個人數據時得到了他們的同意。

 

*“WorldCoin 很難證明其收集數據的用戶是否被適當告知是誰在收集數據、爲什麼收集數據以及處理的目的。”*

WorldCoin invested $4.8 million in Kenya for blockchain education, but critics claim there's little evidence of effective outreach. CEO Alex Blania insists on transparency and consent in data collection, despite the company's license being suspended and ongoing scrutiny.

WorldCoin’s parent organization, Tools for Humanity, put in $4.8 million in Kenya to go towards blockchain and cryptocurrency education and ICT awareness.

This was revealed by CEO, Alex Blania, who appeared before a Kenyan parliamentary committee investigating the company’s activities in the country. According to Blania, the company executed these programmes through third-party agents and partners.

Blania went ahead to reveal engagements with several stakeholders around the education initiatives including:

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)* Strathmore University
* Blockchain Association of Kenya
* American Chamber of Commerce in the country
* The Africa Blockchain Centre
* New Hope Mukuru

However, according to the Kenyan government and critics, there is little to no evidence that any education to WorldCoin users was done following numerous instances of a lack of awareness of the product and the purpose for collecting biometric data.

Despite the company’s license being recently suspended, Blania said that they operate a legitimate business and intend to spend more of its funds in the East African nation.

 

*“We wish to emphasise the WorldCoin project’s long-term commitment to Kenya. Our commitment to the people of Kenya is genuine, and we have at all times endeavored to operate honestly, compliantly and above all transparently,”* he said.

 

He refuted claims that the company may sell the user data it collected during its registration process adding that a person’s free and informed consent is always secured before the processing of their personal data.

 

*“All the personal and biometric data collected in Kenya is securely stored on servers either in the US, Italy, Germany, Poland or South Africa,”* Blania said.

 

Nonetheless, legal experts argue that WorldCoin has a difficult task arguing its case. In an interview with a local technology outlet, technology lawyer, Meshack Masibo, said that WorldCoin would have to prove that it collects and processes Kenyans’ personal data with their consent.

 

*“WorldCoin will be hard-pressed to prove that the users it was collecting data from were properly informed of who was collecting the data, why the data was being collected and the purpose of processing.”*

BitKE

融資 | 尼日利亞獨角獸 MoniePoint 獲得 VISA 投資

法規 | 數字借貸平台現在必須表明它們已獲得坦桑尼亞銀行的註冊。

用例 | 從共享乘車到共享WiFi熱點 – 一窺非洲的去中心化物理基礎設施網路

WORLDCOIN | WorldCoin 在肯尼亞投資了 480 萬美元用於加密貨幣教育