Investor Relations
A multi-investor strategic funding opportunity in Nigerian fintech infrastructure & AI-powered financial automation - entry below ₦1B valuation with proven traction.
A ground-floor fintech opportunity
Why DojaPay represents an early entry into Africa's most active fintech hub.
Proven traction
₦265M processed in 8 months, 2 government contracts secured, 8 premium merchants onboarded and 3 active banking partnerships enabling scalable operations.
Massive market
Nigeria's fintech market is projected to grow from $1.31B (2025) to $4.86B (2034) at a 15.19% CAGR. Nigeria accounts for 47% of Africa's fintech deals.
AI-powered differentiation
ReformGPT creates new revenue streams through AI-driven tax guidance, smart reconciliation, revenue intelligence and conversational payments.
Government access
Direct access to public revenue channels through revenue-tech agreements across 4 states, with a template for 30-state national expansion.
Commercially validated in 8 months
Four integrated product lines
Diversified, resilient revenue streams across the payments stack.
DojaPay Gateway
Enterprise-grade collections for government revenue, merchant checkout, utilities, institutional collections, taxes and government fees.
ReformGPT
AI financial automation: tax reform education, smart reconciliation, revenue intelligence, finance assistants, chat-to-pay and compliance workflows.
DojaPay Business
Vertical solutions tailored for real estate, healthcare, education, logistics, cooperatives and membership organisations.
Conversational Payments
Embedded banking infrastructure letting institutions offer AI-powered payment rails with seamless API integration and intelligent routing.
Milestone-driven national growth
State expansion
Pace: 5 states every 2 months → 30 states in 12 months.
Merchant expansion
Pace: 10+ premium merchants monthly → 120+ annual additions.
Institutional targets
State revenue services, MDAs, universities, hospitals, utilities and enterprise groups.
Banking partners
Payment rails, settlement layers, institutional processing and API connectivity.
Strategic advantage
Gombe State revenue-tech partnership providing immediate government-sector access.
Flexible entry options
Structures designed to match your risk appetite and governance requirements.
| Entry option | Amount | Structure | Best for |
|---|---|---|---|
| Full round participation | ₦197M | Maximum ownership stake with immediate access to full growth capital | Investors seeking maximum upside |
| Proof-of-concept tranche | ₦65.67M (1/3) | Milestone-based follow-on to validate execution before full deployment | Risk-conscious investors |
| Non-cash controlled funding | Flexible | Direct vendor / cloud / payroll payments by milestone with full transparency | Governance-focused investors |
Shareholding structure
Non-cash controls
- Pay vendors directly
- Pay cloud invoices
- Fund payroll monthly
- Marketing by KPI
- Approve by milestone
- Pay licenses directly
Revenue diversified across the stack
Processing fees, customization services and AI monetization.
Revenue
Net profit
≈ 38% margin
Revenue
Net profit
≈ 38% margin
Revenue
Net profit
≈ 38% margin
Projected volume breakdown
Multiple pathways to value
With disciplined downside control.
Dividend policy
50% of net profit distributed at year-end from Year 1.
PoC investor annual recovery
Low
Mid
High
Series A repricing
Planned VC round within 12 months targeting Accel or equivalent global funds.
| Valuation | Return | Stake value |
|---|---|---|
| ₦20B (Conservative) | 15× | ₦3.0B |
| ₦35B (Expected) | 27× | ₦5.25B |
| ₦50B (Optimistic) | 38× | ₦7.5B+ |
Suggested milestones before full follow-on
Eight reasons to move fast
Entry below ₦1B
Ground-floor opportunity before national scale-up and institutional VC participation.
Gov't access live
4-state revenue technology partnership already in operation with proven results.
Traction proven
₦265M processed, 2 government contracts, 8 merchants in just 8 months.
AI + payments window
ReformGPT sits at the intersection of two mega-trends driving fintech innovation.
Low-risk PoC entry
₦65.67M tranche with milestone-based follow-on reduces initial exposure.
Series A repricing
US$5M institutional round targeting ₦20B–₦50B valuation within 12 months.
Banking partners active
3 institutional partners providing payment rails, settlement and infrastructure.
Early dividend potential
50% net-profit distribution from Year 1 provides immediate cash returns.
Ready to invest?
Join us in building Nigeria's next-generation fintech infrastructure. Request the full investment memorandum or schedule a call with our founders.
This page is for informational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any securities.