Enabling Seamless
Financial Settlement
Across All Institutions.
PeerPay Network connects borrowers and lenders across
different banks, leveraging secure ledgers, automated
repayment systems, and a trusted credit scoring model to
enable seamless peer-to-peer lending.
PeerPay Network connects borrowers and lenders across
different banks, leveraging secure ledgers, automated
repayment systems, and a trusted credit scoring model
to enable seamless peer-to-peer lending.
Core Features
Powerful tools designed to help you manage, share, and stay on track with your financial goals — whether you're saving, splitting, or committing together.
Automated Repayments
Maintain Strong Credit Habits
InterBank Lending
Borrow or lend money between banks.
Smart Credit Scoring
Real time scoring based on financial behavior.
Secure & Compliant
Build for regulatory compliance.
Transparent Loan Agrements
Every loan is backed by a digital mandate.
Recovery Assurance
We maximize repayment recoveries.
How PeerPay Network Works
From setting up your financial commitments to tracking shared goals with peers — see how PeerPay Network simplifies every step of the journey.
Loan Request
Easily request loans from trusted peers, set your terms, and manage repayments — all in one secure, transparent space.
Loan Evaluation & Request
Submit your loan request with ease while we assess your eligibility using smart peer-review metrics — making lending fair, fast, and transparent.
Loan Disbursement
Once approved, funds are securely transferred to your wallet or linked account — fast, seamless, and hassle-free.
Automated Repayment
Never miss a due date — our automated repayment system ensures your commitments are settled on time, effortlessly and securely.
Proudly Redefining Financial
Commitments
At PeerPay Network, we go beyond transactions — empowering users to build trust, share responsibilities, and stay accountable with a system designed for modern, peer-driven finance.
System Components
Each feature in PeerPay Network is built to work seamlessly together — from loan
requests to automated repayments — creating a smooth, reliable financial
experience for every user.
User Banking Apps
Front-end interfaces for borrowers and lenders.
Loan Processing Service
Manage requests, approvals, and repayment schedule.
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 user's.
Risk Mitigation
Recovery mechanisms and retire safeguard lenders.
Compliance First
Build with financial regulation in mind.
Scalable
New banks and partner can onboard easily.
Developer Sandbox
Build and test PeerPay Network features safely in a simulated
environment — no real transactions needed.
Why Choose PeerPay Network?
Effortlessly manage and secure financial commitments with seamless automation and transparency.
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.
Frequently Asked Questions
Ready to Build the Future of Lending?
Explore our sandbox, integrate PeerPay Network, and empower your customers today.