Users
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OPay combines a Nigerian mobile wallet with a merchant and agent ecosystem. Customers use digital accounts for transfers, bills, recharges and purchases, while physical agents help connect cash with electronic balances, giving the brand a role in both spending and financial access.
Use cases:
Channels:
Initiation:
Markets
2TPV
$23BTransactions
2.2BEstimated Monthly Usage, Aurato Research, October 2026
Capabilities
Initiation & Authentication
Funding & Requirements
Processing & Settlement
Transaction Management
Refunds & Disputes
Additional native capabilities
Markets
PSPs
Schemes
Compliance
Regulator
Central Bank of Nigeria




