Powering informal trade. Building financial identity.

Afomo helps informal merchants sell beyond foot traffic and trust networks, receive payments, and build a verified trust history—unlocking access to financial services.

Sell Beyond
Your Network

Reach more customers beyond foot traffic and trust circles.

Get Paid
Easily

Accept secure payments and grow your sales every day.

Build Trust
for Your Future

Every transaction builds your AfomoRank—unlocking credit and opportunities.

Pilot is currently closed. Afomo is in closed pilot within Abuja. New sign-ups will reopen soon.

Smiling African female merchant at Banex Plaza electronics market

TrustRank

Reliable 98%

Active 92%

Transactions 156

You're building great trust!

How Afomo Works

1. Onboard Locally

Agents onboard merchants in their shops within minutes.

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2. Transact & Grow

Merchants reach more customers and receive payments through simple chat.

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3. Capture Every Transaction

Every sale and payment is recorded securely and automatically.

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4. Build Trust (AfomoRank)

Your reliability and activity create a verified trust score over time.

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5. Unlock Financial Access

Use your trust history to access credit, working capital and more.

The Result

More sales.

More trust.

More opportunities.

For millions of informal businesses.

Two Afomo field agents reviewing a phone

Our Distribution Model

Last-mile. Local. Proven.

Local Agents

Recruited from within market clusters.

Rapid Training

Trained in 2 days with a standard playbook.

Activation Focused

Paid based on active merchants, not signups.

Cluster Rollout

We saturate dense clusters for fast adoption.

15–25

Merchants activated per agent every week

Built for Everyone in the Ecosystem

Merchants

Sell more, get paid easily and build your financial identity.

Agents

Earn income by digitizing and activating local businesses.

Financial Institutions

Access reliable transaction data to confidently serve new customers.

Trusted. Secure. Built for Scale.

Secure Payments

Integrated with licensed payment providers.

Data Privacy

Your data is protected and never shared without consent.

Verified Transactions

Real transactions.
Real trust.
Real opportunities.

Working with leading partners

On the Ground

Pilot Launch in Action

Live pictures from our pilot launch in Emab and Banex Plaza, Abuja. Images of Afomo Field growth associates onboarding merchants, helping them through verification and offering support.