Omni
“Can Africa's traditional FMCG trade chain be digitized end-to-end with embedded credit and payments as the monetization layer?”
HQLagos, Nigeria
Total raised$20M
IndustryVertical SaaS / B2B Commerce (FMCG Trade)
The story
OmniRetail digitizes traditional trade in Africa across manufacturers, distributors, and retailers via its network-of-networks platform (OmniOne, OmniHub, OmniBiz). OmniPay was launched in 2022 as the embedded finance layer — offering virtual bank accounts, BNPL working capital for FMCG inventory, POS acceptance, and cashback — turning the trade platform into a financial infrastructure play for Nigeria's informal retail economy.
Last 12 months
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Product timeline
2022
Launched OmniPay, an API-based wallet for B2B trade payments· banking
The stack
3 layers disclosed in Omni’s embedded-finance stack
Payments / PSP
Banking / BaaS
in the full report
Lending
in the full report
Accounting gap: none
6 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.