Egoras
“Can a blockchain-native Nigerian super-app become the daily financial and communication layer for the underbanked while opening a direct SME capital-markets rail via its own exchange?”
Founded2020
HQNigeria (Remote-first)
IndustryFintech / Consumer super-app
The story
Founded 2020 as a Nigerian fintech offering collateralized zero-interest microcredit for the unbanked. Pivoted into a broader blockchain-based ecosystem (Cube) combining communication, commerce and finance. Latest positioning is a consumer super-app (rides, marketplace, chat, wallet, markets) settled in Naira, plus a planned SME hardware+exchange play via the Cube Phone and ContisX securities exchange.
Last 12 months
Product timeline
2020
Egoras Technologies Ltd. founded in Nigeria· founding
2021
Partnered with PAID Network to bring off-chain loan agreements on-chain for low-interest microcredit· lending
2022
Launched zero-interest microcredit collateralized by fairly-used assets (electronics, furniture)· lending
2025
Launched CubeApp / Cube ecosystem — super-app with rides, marketplace, chat, wallet, markets settled in Naira· pivot
2026
Planned launch of Cube Phone with Airtel Nigeria and ContisX Exchange (SEC approval-in-principle) for SME capital raising· product_launch
The stack
5 layers disclosed in Egoras’s embedded-finance stack
Payments / PSP
Egoras Wallet (in-house)CubePay (self-operated)
Banking / BaaS
in the full report
Lending
in the full report
Insurance
in the full report
Crypto
in the full report
Accounting gap: none
7 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.