By Martin Ekpeke
Pan-African fintech company Moniepoint, has released its 2025 Impact Report, highlighting a decade of expanding financial infrastructure and advancing economic inclusion across Africa.
Among the report’s key milestones, Moniepoint disclosed that it has disbursed more than $700 million in working capital loans to micro, small and medium-sized enterprises (MSMEs), while its point-of-sale (POS) network has reached over 100 million people across the continent.
Key Highlights from the 2025 Impact Report
- Over $700 million disbursed to MSMEs: The company has provided targeted working capital to thousands of small businesses, contributing to a 36% increase in average transaction value among loan recipients.
- 300% growth in lending to women-owned businesses: Moniepoint significantly expanded financing for female entrepreneurs, increasing access to capital and supporting business growth across local communities.
- More than 100 million people reached: The company’s POS network continues to power everyday transactions in both urban centres and underserved rural communities.
- Over 20 million customers served: More than 20 million individuals and businesses now rely on Moniepoint for their financial operations.
- 91% merchant satisfaction: According to the report, 91% of surveyed merchants said Moniepoint’s solutions improved their business operations.
- Global recognition: Moniepoint was named to TIME’s 2025 list of the World’s Most Influential Companies and featured on the Financial Times’ ranking of Africa’s Fastest-Growing Companies.
Moniepoint’s growth over the past decade reflects its transition from a financial infrastructure provider into a full-service digital financial platform.
Originally established as TeamApt Ltd., the company-built payment switching infrastructure capable of delivering 99% transaction reliability for financial institutions. As it gained deeper insights into merchants’ needs, it expanded beyond payments to offer a broader suite of financial services tailored to businesses.
As part of that strategy, Moniepoint recently introduced Moniebook, which it describes as Nigeria’s first all-in-one digital bookkeeping and inventory management platform designed specifically for small businesses. The platform enables merchants to track inventory, monitor profitability, and gain real-time visibility into business performance.
The company also highlighted its hyperlocal agent and support network, which it says helps bridge geographical and language barriers to financial inclusion. According to the report, the network has supported collaborations with government agencies to facilitate the distribution of grants and agricultural inputs to rural communities and farmers.
Commenting on the milestone, Tosin Eniolorunda, Co-Founder and Group CEO of Moniepoint, said: “Ten years ago, we began this journey with a simple but audacious goal: to build financial infrastructure that worked for everyone, whether as institutions, merchants or individuals. Today, that goal has not wavered or diminished; rather, it has crystallised into a definitive mission creating a world where every African, everywhere, can experience financial happiness.
Financial happiness is not a catchy turn of phrase or a luxury; it is the confidence that comes when a business owner in Onitsha can confirm a payment instantly, when a pharmacist in Lagos can restock life-saving medication through a working capital loan, and when a farmer in Borno can move produce across the country with trust.”
Eniolorunda described 2025 as a defining year for the company, marked by disciplined growth and deeper social impact. He said Moniepoint’s focus extends beyond providing financial technology to building infrastructure that supports long-term economic transformation across Africa.