Mintyn | Online Banking
“Can a digital front-end on a Nigerian microfinance bank charter become the default all-in-one financial app for the next-gen Nigerian consumer and SMB?”
Founded2020
HQLagos, Nigeria
IndustryFintech / Neobank
The story
Founded 2020 as Mint Digital Bank, operating as a digital front-end on top of Finex Microfinance Bank's CBN license. Positioned as a free alternative to Nigeria's traditional banks (no COT, no maintenance fees). Later rebranded to Mintyn Bank and expanded into business banking, virtual dollar cards for cross-border spend, lending, gift cards, and a BaaS/IaaS layer for other businesses.
Last 12 months
—
Product timeline
2020
Founded as Mint Digital Bank under Finex Microfinance Bank umbrella· banking
2023
Rebranded to Mintyn Bank; launched Virtual Dollar Card and Mintyn for Business (corporate accounts)· card
2023
Launched PAN-less MasterCard debit card issued by Providus Bank· card
Regulated entities
1
regulatory licence held by Mintyn | Online Banking
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
5 layers disclosed in Mintyn | Online Banking’s embedded-finance stack
Banking / BaaS
Finex Microfinance Bank Ltd. (in-house)
Card issuing
in the full report
Card network
in the full report
Lending
in the full report
Sponsor bank
in the full report
Accounting gap: significant
12 more providers across 4 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.