Welcome to NAIRO

Digital Finance, Simplified.

NAIRO provides secure and seamless digital financial services designed to help individuals manage their money, make payments, transfer funds, and access essential financial services with confidence and convenience.

Transaction PINInstant alerts24/7 access
NAIRO Digital Team Innovative Financial Solutions
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9+
A man in a maroon beanie and sweatshirt smiling at his orange phone in a bright Nairo office
Send moneyReceive paymentsAirtime & dataEveryday billsSavings potsVirtual accountsPayouts & reconciliationIdentity verificationBusiness credit
Try it yourself

Feel how simple money can be.

Tap through three everyday moments in the Nairo app. Pick one on the left, or tap the phone to move on. Sample data only.

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Illustration with sample data

Smart Financial Solutions, Built for You.

We provide secure, reliable, and seamless digital payment solutions designed to meet your everyday financial needs with simplicity, convenience, and confidence.

Nairo Wallet

A secure digital wallet and payment system for individuals. Send and receive money, pay bills, buy airtime and data, and keep your funds in one safe place, with instant alerts, a transaction PIN and everyday benefits built in.

→ Get Your Wallet

Nairo for Business

A payment and collection system for businesses, enterprises and companies. Accept payments, collect from customers, make payouts and keep clear records for easy reconciliation, all from one platform.

→ Collect Payments

Nairo Integrated Services

Financial services you can build into your own product. Add wallets, virtual accounts, payments and verification to your platform through one integration, for any financial use case you need.

→ Integrate with Nairo

Nairo Credit Facility

Credit to help small-scale businesses and enterprises scale. Through the Nairo Cooperative Scheme, both individuals and cooperatives can apply for financing, with access based on specific eligibility criteria and coverage.

→ Learn About the Scheme
4:20
‹ Recurring transaction
Amount
₦150,850.00
Transaction 1 Edit
From Bank card3456 4728 3829 3781 ›
To Debit account543826839 ›
How often
1 ▾
time(s) a week ▾
For how long
1 ▾
year(s) ▾
24/7 ↗

Always-On Access

To your money, wherever you are.

Getting started

From download to done in three steps.

1

Get the app

Download Nairo to your phone. It takes less than a minute.

Get App
2

Create your wallet

Sign up with your details and secure your account with a transaction PIN.

3

Start moving money

Send, pay, top up and save, all from one place and all in a few taps.

Why Choose Us

Banking That Keeps Up With Your Day

NAIRO pairs secure technology with simple everyday tools, so sending money, paying bills and managing your account take minutes, not queues.

▦ Explore NAIRO
Built to be trusted

Your money deserves serious protection.

Nairo is designed so that every move of your money is deliberate, protected and on record.

01

Transaction PIN

Every transfer is confirmed with your personal PIN before money leaves your wallet.

02

Lockout protection

Repeated wrong attempts lock the account, so anyone guessing gets nowhere.

03

Instant alerts

Know the moment money moves in or out of your wallet.

04

Every naira on record

Each transaction is recorded, so your balance and history always add up.

A smiling woman in a pink sweater holding her phone and pointing up, in a bright Nairo office

Building a Better Financial Future

Our vision is to transform how individuals and businesses across Africa access, manage, and move money through secure, innovative, and accessible digital financial technology.

Get started today
VTpass

Banking as a Service

Custom financial infrastructure for companies.

App Development

Mobile & web applications built to scale.

Software Development

Robust software tailored to your business.

Managed Services

IT operations support across your organization.

24/7
Always-On Access
50+
Projects Delivered
30+
Happy Clients
5+
Years of Experience
What Nairo Offers

One Platform. Four Ways to Use Nairo.

From a personal wallet to business collections, built-in integrations and cooperative credit, here is what each part of Nairo does for you.

Send & Receive Money

Send money to other wallets and bank accounts, and receive payments straight into your Nairo wallet.

Accept Payments

Collect payments from customers through dedicated virtual accounts, with every payment tracked and matched.

Wallets & Virtual Accounts

Add wallets and virtual accounts to your own app or platform through a single integration.

Credit for Individuals

Individuals running small-scale businesses can apply for financing to grow, based on specific eligibility criteria and coverage.

Bills, Airtime & Data

Pay for airtime, data and everyday bills from your wallet, without leaving the app.

Payouts & Reconciliation

Pay suppliers, staff and partners from one place, and keep clear records that make reconciliation simple.

Identity Verification

Verify customers as part of your onboarding flow, so you can bring people on with confidence.

Credit for Cooperatives

Cooperatives can access credit as a group to expand their operations, under the scheme’s eligibility criteria and coverage.

NAIRO

With NAIRO, you can access a seamless digital financial experience designed to make everyday money management simple, secure, and convenient. Send and receive money, make payments, pay bills, and access essential financial services—all from one platform.

NAIRO puts convenient financial services at your fingertips, combining simplicity, security, and technology to help you manage your money with confidence.

Read more about this service →
4:20
‹ Recurring transaction
Amount
₦150,850.00
Transaction 1 Edit
From Bank card3456 4728 3829 3781 ›
To Debit account543826839 ›
How often
1 ▾
time(s) a week ▾
For how long
1 ▾
year(s) ▾
What Our Clients Say

Trusted by Businesses. Built for Impact.

We work closely with our clients to deliver technology and financial solutions that create measurable value, improve operations, and support sustainable growth.

OC
Our Client
★★★★★

“Working with NAIRO has been straightforward from the start. The team understood what we needed, kept us updated at every stage, and delivered a solution we can rely on.”

OC
Our Client
★★★★★

“NAIRO delivered what was promised and on schedule. The platform is dependable, and support has been quick to respond whenever we needed help.”

OC
Our Client
★★★★★

“The guidance from the NAIRO team helped us see the best way forward for our product, and we now have clear next steps we are confident about.”

Pay Smarter. Transact with Confidence.

Digital Finance, Simplified.

Connect with NAIRO’s financial technology infrastructure and access seamless payment solutions designed to help businesses build, scale, and deliver better financial experiences.

NAIRO is a subsidiary product of Supreme Vertex Technologies Limited, powered by Anchor.

→ Get Started
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Get the Nairo app