Sofri

Sofri is a Nigerian digital banking and lending platform for individuals and businesses, offering mobile banking services, everyday payments, and in-app access to credit.

Key capabilities include:

• Mobile account and payments: open and manage an account, send money to other banks, and track transfers using a real-time transfer monitor.
• Bills and top-ups: pay electricity and utility bills, manage cable TV subscriptions, and buy airtime and data across major mobile networks.
• In-app loans: apply for Nano Loans, Salary Advance (including the Employee Loan Program, ELP), and SME loans after completing required KYC and using the app regularly.
• Business banking tools: accept payments via SofriPay POS (with real-time reports, automated dispute resolution, and network monitoring), and handle larger transactions through Corporate Internet Banking.

Available on Android and iOS, with Corporate Internet Banking on the web and a USSD option for access without mobile data.

Designed for Nigerian retail banking customers, SMEs, and corporate clients that need transfers, bill payments, POS collections, and digital lending in one place.

Notable in Nigeria’s fintech and microfinance market for being powered by Sofri Trust Microfinance Bank (a DLM Capital Group member) and for shipping consumer-focused features such as biometric transfer confirmation and privacy controls like dummy balance and auto-hide balance.