WayaLinks
“Can a vertically-integrated Nigerian group combining a digital bank, payment gateway, and social commerce platform become the default financial OS for Africa's unbanked microbusinesses?”
HQLagos, Nigeria
IndustryFintech / Neobank
The story
WayaLinks is a Nigerian digital financial group operating as the holding company of three integrated platforms: Waya Bank (digital banking, transfers, bill payments, loans, POS, agency banking), Wayaquick (real-time payment gateway for ecommerce/fintechs/banks/merchants), and Wayagram (social commerce platform). The group targets Africa's unbanked and underserved microbusinesses through a self-onboarding marketplace combining banking, payments, and social interaction. Reports 6+ years operating and ₦3B+ in loans disbursed in the last 12 months.
Product timeline
2024
Group restructures under Waya Links Limited as holding company of Waya Bank, Wayaquick, and Wayagram· pivot
The stack
4 layers disclosed in WayaLinks’s embedded-finance stack
Payments / PSP
Money movement
in the full report
Banking / BaaS
in the full report
Lending
in the full report
Accounting gap: significant
5 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.