OPay

OPay is a digital financial platform built for the challenges of emerging markets. We use technology to advance financial inclusion, empowering millions of consumers and businesses with fast, reliable and secure financial services. OPay was the No. 1 finance app with a 9.9% market share in Africa and Middle East, based on MAU in the six months ended June 30, 2026, and also the No. 2 app across all categories in Nigeria, based on DAU as of July 31, 2026, according to Frost & Sullivan. Over the coming decades, we aspire to become a leading national payment app in more countries across Africa, serving billions of users and millions of merchants, while creating jobs and economic opportunity. Our 9.9% market share in Africa and Middle East is measured by MAU in the six months ended June 30, 2026. We believe this supports our leading market position in the app-based fintech sector because active user penetration is a relevant indicator of user reach, engagement and competitive scale for mobile application-based financial service providers. Since launching in Nigeria, we have pioneered seamless digital payments to become the country’s leading digital financial platform. We have built an integrated suite of solutions to serve the financial needs of consumers and merchants.