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Our Story

Every stroke of genius starts with a Dot


It all begins with you.

Think of the greatest things ever created; they all started with a single dot. It begins with a single observation, a spark of curiosity, and a willingness to see the world in a new light. Dot was founded on the simple belief that we can transform lives. It may sound ambitious, but that's our goal: to create products and experiences that enrich people's lives.

The world is evolving, and while some are keeping up, there's a wide gap that's being left behind—the underbanked. They too deserve to shape the lives they desire, a life where money isn't the primary source of stress. That's why we're committed to turning this dream into reality. The cost of living is soaring, the wealthy are getting wealthier, and our vision is becoming clearer by the day.

Made for people & businesses

This takes time. There are a thousand no's for every 'yes'. But you are the reason we keep refining until we create a masterpiece.

We identified the problem


Nigeria has more than 122 million internet users - the highest number reported all over Africa.


Population of Nigerians within the age range of 15 - 44.


Nigerians excluded from financial services.

Source: CBN, Nigeria Data Portal & Statista.

Our Solution

What will your dot be?


Dot is for dreamers, for those who believe that the life they aspire to isn't exclusive to the privileged few. This is why we've been hard at work, striving to level the playing field and provide you with the opportunity to succeed.

How are we turning this vision into reality? By meeting people at their point of need. We're helping you build a life beyond your next paycheck, through payments, banking, and insurance. But it's not just banking or payments as you've come to know them; it's all connected. From the small business owner dreaming of a chain of businesses across the country to the keke maruwa driver who no longer has to worry when his vehicle faces an accident because he has insurance.

Because, what's the point of it all if you still have to worry about your health? We offer a comprehensive suite of business tools and accessible loans, granting every eligible individual with a dream access to funding and affordability.

We're still in the sketching phase. It's not yet complete. We simplify, we perfect, we start over, all to ensure that everything we touch enhances the lives it reaches.

It's your business, so you should be able to create it with tools that serve you, not the other way around. We have a wide range of flexible tools ready for almost any job, and you only pay for what you need.

We're here, always on the dot.