We Reward Intention, Not
Just Transaction

nuMoni is a spending reward wallet that adds 5% to every top-up you make. The process is straightforward: you transfer money to your wallet, we add 5% extra value, and you can spend it at our partner merchant stores across Nigeria.

Country

States

Active users

How We Started...

Most loyalty programs ask you to spend a lot before you see any real benefit because they were designed for the preferences and priorities of the merchants. We thought that was backwards.

So we built a wallet that rewards you upfront, not months later, after you’ve accumulated points.

The idea is simple: if you’re planning to spend with our partners anyway, you should get that extra value upfront.

What We Do

Instant 5% Extra Value

Top up ₦10,000, and we immediately add ₦500 extra value to your wallet. Use it at our partner merchant stores.

No Hidden Charges

We don’t charge subscription, transaction, or maintenance fees. What you see is what you get.

Flexible Rewards

Redeem your points at partner stores, send them to friends and family, or donate to registered and licensed charities on the platform.

Security Built-In

Your transactions are encrypted and your wallet data is protected with bank grade security
protocols.

What We're Building

We’re building a powerful value layer for merchants and fintech. One wallet that works across multiple merchants, with immediate rewards and zero fees. Our partner network includes major retailers with more brands joining regularly.

Who We Serve

nuMoni is for everyday Nigerians who shop at supermarkets, restaurants, and retail stores to stretch the value of every naira they spend. If you’re tired of traditional loyalty programs that take forever to pay off, or you simply want more value from money you’re already planning to spend, nuMoni offers that extra value.

For Merchants

We help businesses attract new customers and retain old ones without the cost of building their own loyalty infrastructure. Merchants in our network benefit from increased foot traffic, higher customer retention, and access to transaction data that helps them understand their customer shopping patterns for business growth. We handle the technology, security, and customer support, and you focus on serving customers who come in, ready to spend.

Our Approach

We keep things simple. Download the app, add money to your wallet, get your 5% extra value instantly, and spend it where you want. No complicated point systems. It’s a wallet designed to work for you.

Our Mission

To create a digital economy where people feel valued from the start by their favourite brands, not after they’ve proven themselves. Where every Nigerian can access instant rewards, exciting deals, and a seamless way to spend across trusted merchants nationwide.

Meet the Team

Smart, Simple Growth
for Your Business

Whether you sell fashion, food, gadgets, or services, nuMoni gives you the tools to showcase your best deals, attract real customers, and increase sales without the hassle.

We Reward Intention, Not
Just Transaction

How We Started...