Every day, millions of Nigerians undertake everyday transactions: transfer money, take and repay loans, receive salaries, pay school fees, make cooperative and Esusu contributions, receive pensions, give tithes and offerings, set up standing order or direct debit, pay for electricity, airtime, data and cable TV, pay for government services and across federal, state, and local government, and so many more.
What remains largely unseen is the sleek, secure, and solid infrastructure that enables these diverse transactions reliably, at scale, across the entire economy.
Regarded as one of the top 3 payment technology forces in Africa’s largest economy, Remita is licensed by the Central Bank of Nigeria as a Switch, Payment System Service Provider, Payment Terminal Service Provider and as a Super-Agent.
In 2025, Remita processed well over 100 trillion Naira of payment transactions, underscoring its position as a provider of significant financial infrastructure in Nigeria.
This scale was not driven by isolated surges but by sustained, day-to-day activity spanning transaction switching for financial institutions, corporate and public payments processing, and the enablement of consumer financial flows, reinforcing its central role in the economy.
Remita also enabled access to over 15,000 products and services across 180 countries, further establishing its role as an invisible backbone connecting businesses, institutions, and individuals within Africa’s largest economy. It illustrates a defining paradox of modern infrastructure: the more essential it becomes, the less visible it appears.
Within the fintech and banking industries, this role is often described as “the rails” – the underlying tracks on which Nigeria’s payment ecosystem runs. Like electricity through power lines or water through pipes, Remita’s impact is most pronounced where secured and reliable execution is non-negotiable.
Across corporate payments, institutional disbursements, large-scale revenue collection, and complex multi-party transactions, Remita operates as a trusted national infrastructure, where even minor disruptions can have cascading consequences.
Throughout 2025, Remita supported revenue collection and disbursements across the federal, state, and local governments, operating reliably to ensure the wheels of government operations grounded smoothly to avoid delayed salaries, stalled public services, and erosion of public trust.
Sustained infrastructure uptime reinforced a core principle of modern governance: when systems function seamlessly, confidence is preserved.
On any day, Remita enables a civil servant in Gombe to receive her salary, a contractor in Kogi to be seamlessly paid, a student in Enugu to pay university fees, a resident of Abuja to pay for water, a property owner to pay land use charge in Lagos, and a contravening citizen to pay FRSC anywhere across the country.
These millions of transactions occur concurrently, at scale, and without friction, by design.
2025 marked Remita’s progression toward continental relevance. Through strategic integration with the Pan-African Payment and Settlement System (PAPSS), Remita has laid the foundation for simplified cross-border African payments – reducing dependency on third-party currencies and enabling businesses to transact across borders with greater ease.
“As Nigeria’s digital economy becomes more interconnected with the rest of Africa, the role of infrastructure becomes even more consequential,” explains ‘DeRemi Atanda, managing director of Remita. “Our responsibility is to build systems that can support that future. We are not just building for Nigeria. We are building infrastructure that can support Africa’s digital economy.”
AI was another frontier where Remita demonstrated industry leadership in 2025. Its deep understanding of the need for a shift from automation to intelligence led to its release of a landmark fintech AI report, which positioned Nigeria within global conversations on the application of artificial intelligence in financial services.
More than thought leadership, the report signaled commitment to building payment infrastructure that is not only resilient at scale, but increasingly responsive, predictive, and aligned with the realities of modern financial ecosystems.
Financial inclusion and access to financial services by yet a large population continued to be a major discussion in 2025.
Through partnerships with agent networks such as Moniepoint, NIPOST and Paga, Remita further extended services beyond traditional banking touchpoints – bringing formal financial systems closer to individuals and small businesses, particularly in underbanked communities.
In the works from Remita is a next-generation mobile app that generated a lot of buzz in Q4 2025 when it entered a public beta.
Built on the same backbone enterprise-grade infrastructure, the app has amazing features like multi-bank account management, esusu groups, discounted airline tickets, recurring payments, international payments with local currency, and others in development that will surely excite the market. The public market launch of the app is scheduled for Q1 2026.
Remita remains the core infrastructure behind Nigeria’s digital economy and is increasingly becoming a cornerstone of Africa’s financial future.
As the continent moves toward greater integration and rail-play becomes the most crucial element, the platforms that matter most won’t be the loudest or the flashiest.
They will be the ones that work, consistently and at scale, enabling prosperity for millions while remaining largely invisible to those they serve. That’s the mark of truly transformative infrastructure, and the story of Remita’s impact in 2025.
- Remita Payment Services Limited (RPSL) is a leading Nigerian fintech company committed to simplifying financial transactions for individuals, businesses, and public institutions. Through innovative payment infrastructure and enterprise tools, RPSL enables its customers to collect, disburse, and manage funds securely and efficiently. As a trusted partner in Nigeria’s digital economy, Remita continues to champion inclusive growth through technology-driven financial empowerment.
