“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?”
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.
WayaLinks discloses Waya Bank Limited (in-house) as its banking provider, according to the Embedded Finance Index 2026.
WayaLinks does not disclose a bank charter of its own; its banking services are provided through Waya Bank Limited (in-house).
WayaLinks processes payments through Wayaquick (self-operated). Disclosed money-movement rails: RTP.
WayaLinks's lending and capital products are provided by Waya Bank Limited (in-house).
The Embedded Finance Index 2026 maps 4 layers in WayaLinks's stack: Payments / PSP (Wayaquick (self-operated)); Money movement (RTP); Banking / BaaS (Waya Bank Limited (in-house)); Lending (Waya Bank Limited (in-house), SME Loans and Loans to sellers/merchants (WayaBank)).
WayaLinks is headquartered in Lagos, Nigeria.
Get a read on where your own stack stands against WayaLinks and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.