Numoni Introduces Upfront Rewards

In a market filled with payment apps promising cashback and delayed loyalty points, nuMoni has unveiled something different: a loyalty platform that rewards users before they make a  decision to spend. Headquartered in Lagos, We partner with merchants to deliver transparent, measurable value directly to consumers.

At a recent media briefing in Lagos, Francis Ekeng, Founder and CEO of nuMoni, alongside key executives introduced a new category in consumer economics; upfront rewards. When users top up their nuMoni wallet, they instantly receive additional reward value, redeemable within the platform’s growing merchant ecosystem.

This approach addresses a critical gap in today’s economy. As Nigerians experience rising costs and shrinking purchasing power, the timing of value matters more than ever. Rather than waiting weeks or months for rewards that may never materialize, nuMoni users see an increase in their purchasing power the moment they fund their wallets.

nuMoni isn’t an e-money wallet for transferring cash around. It’s not a bank app. It’s a loyalty platform designed to give you more value before you use your money. The extra value you receive isn’t cash you can withdraw, however, you can use it immediately at our growing network of partner merchants. Think of it as instant rewards that are already waiting for you when you’re ready to shop.

The experience is refreshingly simple: users fund their wallet, instantly see additional reward value, and use it immediately at participating merchants. That value is already there, visible and trusted.

Early users of the app have described the platform as “different from anything else” and “surprisingly practical,” noting that seeing value upfront fundamentally changes how and where they choose to spend.

The Business Side: Why Merchants Love It

Behind the scenes, we are converting merchant marketing budgets into immediate consumer value. Instead of spending money on ads that may or may not work, businesses are rewarding your intention to spend, before you’ve even made a purchase.

This creates a win-win: you get instant value, and businesses get loyal customers who are more likely to choose them over competitors.

A New Layer in the Consumer Economy

With the launch across Lagos and plans for nationwide expansion, nuMoni positions itself not as another wallet competing in a crowded market, but as a platform that implements extra value in everyday consumer life.

For consumers tired of loyalty programs that promise much but deliver little, and for businesses seeking more effective ways to connect with customers, nuMoni represents a new approach: value before spending, rewards before transactions, purchasing power before the actual purchase happens.

To get started, simply download the app. The nuMoni app is now available on both iOS and Android platforms.