MoniePoint，尼日利亚龙头商业支付和银行服务平台之一，已获得VISA的投资，这家数字支付公司在一份新闻稿中表示。
MoniePoint于2024年10月融资1.1亿美金，成为少数非洲独角兽之一，已成为其中之一

MoniePoint，尼日利亚龙头商业支付和银行服务平台之一，已经获得了VISA的投资，这家数字支付公司在一份新闻稿中表示。

MoniePoint于2024年10月融资1.1亿美元，成为少数非洲独角兽之一，已成为该大陆上更成功的公司之一，建立了针对小型企业的强大金融服务业务。

 

*“VISA对Moniepoint的投资是我们长期致力于推动非洲数字经济发展的最新例证，”* VISA中东欧、东欧和非洲地区总裁Andrew Torre在声明中表示。

![](https://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)*“我们将通过创新的支付和软件解决方案，使甚至最小的企业能够蓬勃发展，这些解决方案允许[SMBs]扩展并开辟新的收入机会，同时优化他们的运营。”*

  

MoniePoint，前身为TeamApt，成立于2015年，由Tosin Eniolorunda和Felix Ike创办，旨在提升尼日利亚中小企业(SMBs)的金融服务获取能力。

*“Visa的支持是对我们将非洲企业数字化和支持的愿景的有力认可。我们共同的目标是加深金融包容性，使中小企业能够获得他们在日益数字化的经济中蓬勃发展的工具和资源。”*

*考虑到非洲约83%的就业在非正式经济中，我们非常希望扩大对正式金融体系的接入和参与，并推动非洲的经济增长。”*

– Tosin Eniolorunda，MoniePoint Inc. 创始人兼集团首席执行官

 

其平台提供了一整套综合服务，包括数字支付、银行账户、信贷和管理工具。通过与VISA的合作，该公司旨在将其业务扩展到尼日利亚以外的地区，进一步巩固其推动金融普惠的角色。

该初创公司每月处理超过10亿笔交易，支付总量超过220亿美元。根据发布的信息，该公司的收入增长超过150%。

MoniePoint拥有众多投资者，其中包括：

* 发展伙伴国际
* 谷歌非洲投资基金
* Verod Capital、Lightrock
* QED投资者
* NovaStar 风险投资
* 英国国际投资
* FMO ( 荷兰企业发展银行 )
* 全球创投
* 努力催化剂

作为2023年1月品牌重塑的一部分，MoniePoint 宣布将其总部从拉各斯迁至伦敦，这标志着其扩展影响力并进入下一个增长阶段的雄心。

至于VISA，这是对非洲金融服务的最新投资，已经投资于：

* 交换机间
* 颤振波

它们也是独角兽。

VISA还投资于:

* 尾濑
* 工作支付
* Okhi 和
* 奥尔达

在2024年，四家初创公司从其VISA非洲金融科技加速器计划的第一批毕业。

  

最新一期VISA非洲金融科技加速器项目的申请目前正在进行中，必须在2025年3月15日之前提交。

感兴趣的各方可以通过此链接在VISA加速器项目网站上了解更多关于该项目和班级的信息。

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

融资 | 尼日利亚独角兽 MoniePoint 获得 VISA 投资

坦桑尼亚银行已实施新的规定，以保护借款人免受滥用数字贷款实践的影响，适用于二级小额金融机构。这些要求增强了透明度、客户数据保护和行业声誉，确保借款人在做出贷款决策时知情，同时维护消费者权益。

坦桑尼亚银行(BoT)发布了新的要求，旨在保护借款人免受二级微型金融机构的滥用数字贷款行为。

根据银行的说法，这些要求旨在通过减少滥用借贷行为和提高数字借贷市场的透明度，以确保遵守消费者保护原则。

此外，BOT旨在提升行业声誉，增强消费者信心，并确保数字小额金融领域内借款人和贷款人之间的安全环境。

![](http://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)因此，数字贷款人需要清楚地显示：

* 利率
* 手续费
* 费用
* 付款罚款
* 贷款限额，和
* 产品期限

在他们的平台上帮助客户在申请贷款时做出明智的决策。

数字借贷平台还必须按照相关法律保护客户的数据，并指明中央银行注册的微型金融服务提供商的名称。

 

*“一家微型金融服务提供商必须拥有一个强大而安全的借贷平台，以进行数字借贷操作以及相关产品。”*

*坦桑尼亚银行表示：“所提到的平台应可用并可以进行测试。”*

  

平台还必须使用清晰简单的斯瓦希里语或英语，提供联系方式，如电话号码和电子邮件地址，并雇用知识丰富、精通信息通信技术的员工为客户提供技术支持。

 

*“一家获得银行的不反对函，允许其提供数字贷款产品和服务的微型金融服务贷款机构，不得运营超过一个数字平台，”* 银行表示。

*“然而，一个数字借贷平台可以提供不止一种数字贷款产品或服务，”* 它继续说道。

 

银行还提醒小额金融机构不要访问客户的联系人列表或社交媒体账户，因为坦桑尼亚中央银行认为此类行为可能会在贷款还款延迟的情况下对客户进行骚扰。

  

现有的持牌微型金融服务提供商如欲提供数字贷款产品和服务，需向银行申请无异议函。

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

法规 | 数字借贷平台现在必须表明它们已获得坦桑尼亚银行的注册。

DePIN，或去中心化物理基础设施网络，利用区块链管理P2P硬件系统，如传感器和能源网，通过加密货币激励其运作，促进现实世界服务。

RIDE

WIFI

DECENTRALIZED

区块

加密货币

DePIN，即“去中心化物理基础设施网络”的缩写，正在作为区块链和去中心化技术的广泛应用案例而获得关注。

此用例涉及使用区块链来运行和维护去中心化的物理硬件网络，例如传感器、无线基础设施、能源网以及其他应用。

通过战略性地利用加密货币的代币经济学和区块链技术，DePIN 激励并协调整个对等 (P2P) 硬件基础设施网络的运营。这种创新的方法已经被积极采用，以启动和维持整个大陆的实际现实服务。

![](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 | 从共享乘车到共享WiFi热点 – 一窥非洲的去中心化物理基础设施网络

WorldCoin 在肯尼亚投资了 480 万美元用于区块链教育，但批评者声称有效的宣传几乎没有证据。首席执行官 Alex Blania 坚持在数据收集方面保持透明和征得同意，尽管该公司的许可证已被暂停，并且正在接受审查。

LEDU

WorldCoin的母公司Tools for Humanity在肯尼亚投入了480万美金，用于区块链和加密货币教育以及信息通信技术的普及。

这由首席执行官亚历克斯·布拉尼亚透露，他出现在一个调查该公司在肯尼亚活动的议会委员会面前。根据布拉尼亚的说法，公司通过第三方代理和合作伙伴执行了这些项目。

Blania继续披露与多个利益相关者在教育倡议方面的合作，包括：

![](http://img-cdn.gateio.im/social/moments-9e92ed6a7ecd856144d0eaf8d5de0ecb)* 斯特拉斯莫尔大学
* 肯尼亚区块链协会
* 美国商会在该国
* 非洲区块链中心
* 新希望穆库鲁

然而，根据肯尼亚政府和批评者的说法，几乎没有任何证据表明在多次出现对该产品及收集生物识别数据目的缺乏认识的情况下，对WorldCoin用户进行了任何教育。

尽管公司的许可证最近被暂停，Blania表示他们经营的是一家合法的企业，并打算在东非国家投入更多资金。

 

*“我们希望强调WorldCoin项目对肯尼亚的长期承诺。我们对肯尼亚人民的承诺是真诚的，我们始终努力诚实、合规，最重要的是保持透明，”*他说。

 

他驳斥了有关公司可能出售在注册过程中收集的用户数据的说法，并补充说，在处理个人数据之前，总是确保个人的自由和知情同意。

 

*“在肯尼亚收集的所有个人和生物识别数据都安全地存储在美国、意大利、德国、波兰或南非的服务器上，”* Blania 说。

 

然而，法律专家认为，WorldCoin 面临着艰巨的任务来为其辩护。在一次与当地科技媒体的采访中，科技律师梅沙克·马西博表示，WorldCoin 必须证明它在收集和处理肯尼亚人的个人数据时得到了他们的同意。

 

*“WorldCoin 很难证明其收集数据的用户是否被适当告知是谁在收集数据、为什么收集数据以及处理的目的。”*

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

融资 | 尼日利亚独角兽 MoniePoint 获得 VISA 投资

法规 | 数字借贷平台现在必须表明它们已获得坦桑尼亚银行的注册。

用例 | 从共享乘车到共享WiFi热点 – 一窥非洲的去中心化物理基础设施网络

WORLDCOIN | WorldCoin 在肯尼亚投资了 480 万美元用于加密货币教育