Moniepoint Inc has released its 2025 Year in Review, disclosing that its microfinance bank subsidiary disbursed over N1 trillion in credits to thousands of businesses while processing N412 trillion in transaction value in the year it achieved exceptional growth.

It emerged as Nigeria’s largest merchant acquirer, now powering 80 per cent of in-person payments made across the country.

Highlighting its role in the entrepreneurial economy with over six million active businesses, the company said its microfinance bank disbursed over N1 trillion in credits to thousands of businesses last year.

On average, the funded businesses experienced an average growth of 36 per cent after accessing credit, signposting transformational growth levels.

Moniepoint uses alternative data points that include transaction histories, business patterns and payment behaviours to accommodate what traditional credit scoring misses to drive financial inclusion and access to credit.

The company’s 2025 performance reinforced its role as a critical financial infrastructure, which not only supports the Nigerian economy but also impacts everyday lives.

Last year, it emerged as Nigeria’s largest merchant acquirer, now powering 80 per cent of in-person payments made across the country.

Moniepoint MFB, the banking and payments subsidiary, processed N412 trillion transactions, handling more than 14 billion transactions, the review document said.

The milestones suggest that Moniepoint is well-positioned to play a greater role in Nigeria’s march towards a trillion-dollar economy by 2030.

“Our journey has been one of intentional evolution,” said Group CEO, Tosin Eniolorunda.

“What started as a passion to solve overlooked problems has evolved into a platform powering the dreams of millions. As 83 per cent of employment in Africa exists in the informal economy, our mission to create financial happiness is an operational mandate that guides our product development, our market expansion, and our capital allocation decisions,” he added.