VaultPay
“Can a mobile-first fintech app unlock mass-market banking access in the DRC by wrapping Ecobank's infrastructure with a consumer-grade digital experience?”
HQKinshasa, Democratic Republic of the Congo
IndustryFintech / Neobank
The story
VaultPay is an early-stage fintech positioned as a mobile-first neobank for the Democratic Republic of Congo (DRC). Rather than seeking a banking charter, the company operates as a fintech wrapper over Ecobank RDC, which provides the co-branded Visa card and underlying banking services. The product targets the large unbanked/underbanked population in Kinshasa, offering account opening in under one minute, 24-hour physical card delivery, and up to 1% cashback — features largely absent from incumbent banks in the market.
Last 12 months
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Product timeline
2024
Launched consumer neobank app in the DRC offering virtual and physical Visa cards, mobile money top-ups, and instant transfers in partnership with Ecobank RDC.· banking
The stack
3 layers disclosed in VaultPay’s embedded-finance stack
Banking / BaaS
Ecobank RDC
Card network
in the full report
Sponsor bank
in the full report
Accounting gap: none
2 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.