Eyowo

Eyowo is a CBN-regulated digital banking and payments platform in Nigeria for consumers and businesses that want to send, receive, pay, budget, and save money using a phone number.

Key capabilities include:

• Phone number based accounts: users can treat a Nigerian phone number as an account identifier (and can also use a NUBAN account number).
• Transfers and collections: send money to any phone number or bank account, and request payments using an Eyowo request, payment link, phone number, or NUBAN.
• Spend and pay: support for everyday payments, including bill payments and airtime/data purchases.
• Saving and money insights: in-app saving (the site references up to 13% interest) and spending insights that show how and where money is spent.

Available via web, and USSD (*4255#), with additional access channels mentioned in product materials such as IVR and telephony.

Target users include individual consumers, retailers and small businesses (including Eyowo Retail PoS use cases from product materials), and developers that need payment APIs for integrations such as transfers and collections.

It is notable in the Nigerian market for operating through regulated entities licensed by the Central Bank of Nigeria (Payments Solution Provider and Microfinance Bank), and for positioning the phone number as a primary identifier for banking and payments, including offline access via USSD.