“Can a vertically integrated Nigerian microfinance group own the full consumer credit + savings + FX stack in-house without relying on third-party fintech infrastructure?”
Founded 2013 in Port Harcourt as a consumer lender, Creditville has expanded into a multi-subsidiary financial services group covering microfinance banking (Creditville Microfinance Bank), asset management (Redwood), FX (Dawanau BDC), real estate, and consumer lending. The group is executing an in-house digital play via its C Money app and Creditville Core platform, positioning itself as a proprietary fintech serving the Nigerian mass market rather than integrating third-party BaaS.
Creditville Group discloses Creditville Microfinance Bank Limited (in-house) as its banking provider, according to the Embedded Finance Index 2026.
Creditville Group does not disclose a bank charter of its own; its banking services are provided through Creditville Microfinance Bank Limited (in-house).
Creditville Group's lending and capital products are provided by Creditville Nigeria Limited (in-house) and Creditville Finance Limited (in-house).
Creditville Group uses Dawanau Bureau De Change Limited (in-house) for FX and cross-border payouts.
Creditville Group's investing and wealth products are powered by Redwood Asset Management Limited (in-house).
The Embedded Finance Index 2026 maps 4 layers in Creditville Group's stack: Banking / BaaS (Creditville Microfinance Bank Limited (in-house)); Lending (Creditville Nigeria Limited (in-house), Creditville Finance Limited (in-house), Creditville Loan, Vehicle & Asset Financing and 2 others); FX & payouts (Dawanau Bureau De Change Limited (in-house)); Investing (Redwood Asset Management Limited (in-house)).
Creditville Group was founded by Michael Uwakwe and is founded in 2013, headquartered in Victoria Island, Lagos, Nigeria.
Get a read on where your own stack stands against Creditville Group and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.