“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?”
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.
VaultPay discloses Ecobank RDC as its banking provider, according to the Embedded Finance Index 2026.
VaultPay does not disclose a bank charter of its own; its banking services are provided through Ecobank RDC.
VaultPay's cards run on Visa.
The Embedded Finance Index 2026 maps 3 layers in VaultPay's stack: Banking / BaaS (Ecobank RDC); Card network (Visa); Sponsor bank (Ecobank RDC).
VaultPay is headquartered in Kinshasa, Democratic Republic of the Congo.
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