Enabling Seamless Financial Commitment Settlement Across All Institutions.
PeerPay is a secure system that helps individuals, students, businesses, and institutions create, manage, and fulfill financial agreements with confidence.
PeerPay is a secure system that helps individuals, students, businesses, and institutions create, manage, and fulfill financial agreements with confidence.
Core Products
A suite of smart tools that enable secure, enforceable financial commitments designed to automate credit transactions, ensure trust, and simplify cross-bank settlements.
How PeerPay Network Works
PeerPay Network isn't a lender — it's a trust layer for financial commitments. Whether you're a bank, business, or individual, PeerPay Network provides a secure, automated system that enforces repayment, reduces risk, and builds long-term financial confidence across the network.
Enforcing Financial Trust
Peerpay Network is redefining how trust works in finance by creating a secure system where individuals, students, businesses, and institutions can confidently enter financial agreements, knowing that every commitment will be honored through automation, transparency and accountability.
Efficient Credit Advisory
Peerpay Network provides intelligent, data-driven credit advisory that helps individuals and institutions make smarter lending decisions- ensuring access to credit is fair, informed, and built on trust and repayment behavior.
Improving Credit Access
Peerpay Network improves accesses to credit by turning financial promises into trusted commitments-empowering individuals, students, and small businesses to build credibility, unlock opportunities, and gain the confidence of lenders and institutions.
Automated Repayment Recovery
Peerpay Network automates repayments recovery through smart agreements, real-time tracking, and secure payment logic-ensuring lenders recover funds seamlessly while borrowers stay accountable.
Proudly Redefining Financial
Commitments
At PeerPay Network, we go beyond simple transactions by enabling users to build trust, share financial responsibilities, and maintain accountability through a platform designed for today's peer-driven financial ecosystem.
System Components
PeerPay Network's features—from managing financial commitments to
automating repayments—are fully integrated to provide a seamless, dependable
experience for every user.
User Banking Apps
Front-end interfaces for borrowers and lenders.
Loan Processing Service
Securely track and update loan repayments to ensure automated enforcement of commitments.
Credit Scoring Service
Calculate borrower's creditworthiness.
Settlement Engine
Automates funds transfer between banks.
NIBSS Integration
Verifies BVN, performs KYC, and retrieves credit history.
Internal Admin Portal
Manage users, monitor activity, and oversee operations—all
in one secure dashboard.
System Benefits
Smarter tracking. Stronger habits.
Better financial control.
Cross Bank Access
User's aren't limited to their own banks for loans.
Automation
Repayments and disbursements handled automatically.
Improved Credit Access
Build cross-platform credit profile for users.
Risk Mitigation
Automated recovery solutions that safeguard lenders and ensure timely fund retrieval.
Compliance First
Build with financial regulation in mind.
Scalable
New banks and partner can onboard easily.
Developer Sandbox
Simulate and test PeerPay integrations in a safe
environment — no live funds, just full-featured experimentation.
Why Choose PeerPay Network?
Effortlessly manage financial commitments with secure, automated, and transparent solutions.
Trusted Network
Operates on a consensus-based
AFCS Network.
Efficiency Redefined
Automate settlements without
the hassle of manual intervention.
Scalable Solutions
Designed for individuals,
businesses, banks, and fintech
platforms.