About the Bank
Building Nigeria's most trusted and technologically progressive microfinance bank.
Our Vision
To be the most trusted and technologically progressive microfinance bank in Nigeria — delivering banking that creates lasting, measurable value for every customer we serve.
Our Mission
We exist to extend the dignity and convenience of modern banking to the under-banked and digitally-active Nigerian, through secure, intuitive, and inclusive financial products that work even where the network does not.
Our Core Values
The principles that guide every decision we make and every product we build.
Trust by design
We build systems, controls, and relationships that earn customer and regulator confidence on first principles, not on marketing.
Inclusion in practice
We engineer for the customer who has no data, no smartphone, or no consistent network, not only for the customer who has all three.
Engineering excellence
Our products are held to bank-grade standards of resilience, security, and observability.
Customer ownership
A customer issue is owned end-to-end until resolution; we measure ourselves by outcomes, not tickets closed.
Regulatory partnership
We treat the CBN, NDIC, NDPC, EFCC, and other regulators as partners in protecting the customer.
Strategic Goals
Clear, measurable objectives that define our path to success.
- 01
Achieve full operational readiness and grant of the final CBN licence within the AIP validity window.
- 02
Onboard and verify at least 100,000 KYC-compliant retail customers within the first 18 months of operations.
- 03
Establish ValuePay MFB as the most resilient and lowest-friction digital microfinance bank in its licensed operating area.
- 04
Maintain prudential ratios consistently above CBN regulatory minima with a margin of safety appropriate to a Tier 1 Unit MFB.
- 05
Achieve sustainable operating profitability by the end of Year 3 of licensed operations.
Innovation Pillars
The technology breakthroughs that set ValuePay apart.
Offline-capable payments (PSCTP)
Proprietary Pre-Signed Cryptographic Token Protocol that allows customers to make payments without any network connectivity.
AI-assisted everyday banking
Conversational, AI-assisted journeys for common tasks — transfers, bill payments, balance queries, and complaints.
Dedicated virtual accounts & invoicing
NUBAN-format virtual accounts for MSME collections, with lightweight invoicing for cashflow visibility.
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