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Before Mida had a name, it existed as three separate ideas inside Renmoney, a Nigerian digital microfinance bank, where its three founders worked as colleagues, each unknowingly trying to solve the same problem. Mayowa Anibaba, Okeroghene Egbi, and Adija Uzodinma held senior leadership roles at the lender. Anibaba led engineering, Egbi headed product and marketing, and Uzodinma oversaw IT and operations. They called themselves “the trio.” From their respective roles, they saw the same weakness in digital lending. A lender could streamline the onboarding process, automate credit checks, and approve loans within minutes. But unless borrowers repaid those loans, none of those efficiencies mattered. As they spoke with lenders beyond Renmoney, they realised the problem extended well beyond a single institution. Anibaba, who had begun consulting for other lending businesses, found that many were grappling with the same challenge: recovering overdue loans. The trio officially left Renmoney within months of one another in 2023. In November that year, they launched Mida, a startup that builds software and recovery services for lenders, including debt collection, borrower onboarding and loan recovery tools. The opportunity was significant. Nigeria’s digital lending market is estimated to be worth $2.1 billion, while the number of licensed digital lenders grew from 173 in April 2023 to 461 by August 2025. However, as more Nigerians borrowed through digital platforms, defaults also increased. The Central Bank of Nigeria (CBN)’s Q2 2025 Credit Conditions Survey reported rising default rates across both secured and unsecured lending. For Mida, the gap between issuing loans and recovering them represented a business opportunity. Day 1: An experiment becomes a company Around July 2023, four months before Mida formally launched, Anibaba began building what would become the company’s minimum viable product (MVP) as a side project. He wanted to test whether the low recovery rates he had observed could be tackled differently. “I had been helping some other organisations that were trying to solve the same problem,” he said. “Apart from the fact that we’ve been working internally to solve this problem, this problem was much bigger than we anticipated it to be.” Months later, while discussing a startup idea with Uzodinma, Egbi realised Anibaba had already begun building almost the same solution. Rather than pursue three separate ideas, they combined their strengths. Anibaba brought the product he had already developed, while Egbi and Uzodinma contributed commercial, product and operational experience from their years in lending. In November 2023, users of Anibaba’s MVP migrated to Mida Collect, the company’s first commercial product. According to the founders, Mida officially launched after raising $50,000 from family and friends. Its first customer was Sofri, the digital lender platform operated by Links Microfinance Bank. The company says Sofri used Mida’s platform to improve collections, reduce missed repayments, and integrate collection workflows directly into its lending operations. Mida’s launch was, in Egbi’s words, equal excitement and apprehension. “But we were very excited because we had a vision and a path that we were going to get there,” she said. Day 500: Software wasn’t enough Mida’s original assumption was that lenders primarily wanted better tools to approve and disburse loans. Customer conversations quickly challenged that view. “When we started, we weren’t planning on doing recovery,” Anibaba said. “But we realised that the biggest voices in the market at the time were saying, ‘I have so much bad debt. How do I recover this?’ That accelerated our recovery roadmap.” This forced Mida to rethink what it was building. In March 2024, the startup launched Mida Omni, an enterprise platform that combined digital collections, call-centre operations, portfolio segmentation, and reporting into a single system. The company launched MidaX two months later to help recovery agents plan visits, locate borrowers through digital skip tracing, record field activity, and feed those updates back into lenders’ recovery operations. “That’s how we evolved from thinking as a pure technology startup to realising we also had to offer services,” Anibaba said. The founders explained that the evolution and growth of Mida exposed a weakness. Mida’s customer base kept expanding, but the business remained heavily dependent on people-intensive recovery operations. “Revenue was unpredictable, while payroll, technology infrastructure and operating costs had to be paid every month,” the company noted. “The hardest question was whether Mida could become a scalable technology company rather than simply a larger collections agency.” Still, less than a year after launching, the startup stated that it signed on OxygenX, Access Holdings’ digital lending arm, as a customer. In July 2024, the company raised a $400,000 pre-seed round from Founders Factory Africa to expand its products and operations. Day 1000: Becoming infrastructure In the third quarter of 2025, Mida completed the MVP of Mida Forms, allowing lenders to configure customer onboarding, KYC checks, credit scoring, loan applications, offer letters and approval workflows without lengthy technical integrations. By then, Mida began weaving AI throughout its credit infrastructure. The company noted that it first used AI to enrich borrower data and improve lending decisions before introducing an autonomous AI telecollector capable of calling borrowers and following up on overdue accounts. Over time, the company said it wants AI to predict which borrowers are likely to default, recommend the best recovery strategy for each account, personalise customer engagement, and give lenders real-time recommendations across their portfolios. As enterprise technology revenue began to grow, Mida’s economics started to change. Collections and recoveries increased without a matching rise in headcount, gross margins improved, and in the first quarter of 2026, the startup became EBITDA positive, according to the company. Three years after an experiment became a company, Mida said it has managed more than ₦100 billion ($73 million) in debt portfolios and recovered over ₦1 billion ($731,000) in bad loans. It is now targeting a $1 million to $3 million seed round to deepen its AI capabilities and expand its API and embedded credit infrastructure. The company added that conversations are underway to establish a presence in Ghana and Kenya. True scale demands moving beyond surface-level integrations to robust execution. We’ve filtered
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Somewhere in Eseandre Otomiewor’s memory is an alternate version of his life in which he is, by his own joking estimate, a billionaire. It began years ago when a client on Fiverr offered to pay him in Bitcoin instead of cash. Otomiewor declined. He wanted dollars, not a volatile cryptocurrency that, at the time, most of his family, friends, and clients barely understood. It was not an isolated offer. He said other clients proposed the same arrangement, and he turned each of them down. “I think [my] story should be [about] the man who should have been a billionaire [and] accepted Bitcoin; I said no,” he told TechCabal, laughing at his own expense. “In hindsight, maybe I would have a lot of money by now. But you know, we’re still good. When you’re where you are right now, it’s easy to look back—but it’s never easy.” By his own admission, it remains his biggest regret. It is also, in an unexpected way, the quickest route to understanding him: someone who has spent the past decade making uncomfortable bets on himself—underpricing his work as a freelance writer to build a reputation, walking away from a company he built from a single tweet, and leaving a comfortable life in Lagos, Nigeria, for the United States (US)—and, more often that not, seeing those bets pay off. Today, Otomiewor is far removed from his early days as a freelancer. After securing a fully funded scholarship, he moved to the US in 2025, where he is pursuing a dual master’s degree. His career had crossed borders long before he did. From Nigeria, he built a client base spanning China and the US without ever setting foot in either country. Now, he is building the next chapter of his career from the latter. Long before the passport, there was a market in Lagos Otomiewor graduated from Delta State University in Abraka, southern Nigeria, in 2014 with a degree in international studies after his original ambition, to study law, “did not pan out.” Although international studies was not his first choice, he said the discipline gave him “a much broader perspective to life, creating, and writing,” a foundation that helped him build a freelance writing career that afforded him a comfortable life in Lagos, Nigeria, before eventually taking him abroad. His first job after university was at WuraTV, a US-based streaming platform owned by a Nigerian entrepreneur that distributed Nigerian and African content to audiences in the diaspora. Otomiewor recalls that the company saw itself as the leading competitor to Jason Njoku’s IrokoTV at the time. From there, he moved into a business strategy role at Maliyo Games, a Nigerian independent game studio. The job occasionally took him beyond the office. To promote Maliyo’s mobile game “Aboki Run”, Otomiewor said he visited Computer Village and Alaba International Market in Lagos—two of the city’s largest electronics and phone-repair hubs—and persuaded phone vendors to pre-install the game on customers’ devices before they left with newly purchased or repaired phones. According to Otomiewor, his manager at Maliyo Games doubted the idea and declined to allocate a budget for it. But the strategy proved successful enough that, he says, the company’s founder eventually drove him to Alaba to watch the pitches himself before later attempting to recruit him to another company. “I’m not someone to just sit down and watch things happen,” Otomiewor said. “Sometimes you’ve got to try things that are not conventional to make a change.” By December 2017, he had moved again, this time to Digital Raves, a company that helped businesses expand into diaspora and Middle Eastern markets. That same month, almost as an afterthought, he created an account on Fiverr, the global freelancing platform. A tweet, fifty replies, and an agency he never planned to start Otomiewor had been writing since university, mostly producing academic papers for other students, and Fiverr felt like a natural way to turn that skill into income. What he did not anticipate was how quickly demand would outgrow his capacity. Client requests began arriving faster than he could handle. One day, he posted what he describes as an “innocent” message on X, asking whether anyone wanted to take some of the overflow. He expected two or three replies. According to him, more than 50 people responded. A direct message sent to Otomiewor on X (formerly Twitter). Image source: Eseandre Otomiewor “It wasn’t pre-planned,” he said. “It was something that just happened and became very big.” He named the business “JDI,” short for “Just Do It,” a phrase loosely inspired by Nike. What started as a way to outsource a handful of articles became a content agency that, over eight years, trained and paid more than 8,000 African writers, according to Otomiewor. He said many alumni went on to work at Nigerian and international media organisations, while others secured roles at global companies, including Amazon. Having helped Nigerian writers access overseas clients also exposed what he believes was the industry’s biggest obstacle. “It was not a skill thing,” he said. “Nigerians here in the US, globally, have the same skill set. [But] we have to work ten times as hard as another person just to get the same opportunity.” According to Otomiewor, Nigerian freelancers on platforms such as Fiverr were sometimes overlooked in favour of equally qualified Western writers for reasons unrelated to the quality of their work. Even competing internationally required significant upfront investment: a virtual private network (VPN) to bypass geographical restrictions, an international payment solution and a reliable laptop—costs that many aspiring freelancers could not afford. Rather than compete on prevailing Western rates from the outset, Otomiewor deliberately charged less to establish credibility. “If [it’s a gig] an American would charge $20 for, I’d charge $5,” he said. “Do not look at what someone in America or the UK earns. Ask yourself how you can build a reputation to scale.” He said the strategy worked. Repeat business became common, new clients continued to arrive through referrals, and the
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Kenya has gazetted the Virtual Asset Service Providers (VASP) Regulations, 2026, finalising the country’s legal framework for licencing and supervising cryptocurrency exchanges, wallet providers, stablecoin issuers, and other digital asset businesses. The regulations were published in Kenya Gazette Supplement No. 185 under Legal Notice No. 134 on Friday, completing implementation of the Virtual Asset Service Providers Act, which President William Ruto assented to in October 2025. The regulations mark the final step in Kenya’s effort to bring cryptocurrency businesses under formal regulatory oversight. They create, for the first time, a licencing framework that allows Kenya’s regulators to approve and supervise firms operating in the sector. Kenya is one of East Africa’s largest cryptocurrency markets, recording about $19 billion in crypto inflows between July 2024 and June 2025, according to blockchain analytics firm Chainalysis. It ranked second in the region by transaction value, behind Ethiopia. The rules require firms serving Kenyan customers, including those without a physical presence in the country, to obtain licences, meet governance and capital requirements, implement anti-money laundering and cybersecurity controls, safeguard customer assets, and comply with ongoing reporting and consumer protection obligations. It is Kenya’s most consequential provision for all virtual asset service providers operating in, or from, the country. The regulations follow a four-month public consultation process launched in March, during which the National Treasury invited comments from industry participants, consumers, and other stakeholders. During the consultation, crypto firms argued that some proposed capital and compliance requirements risked pricing smaller operators out of the regulated market. Government officials continued engaging crypto firms through industry consultations before finalising the regulations. The framework also sets rules for stablecoins, initial coin offerings, tokenised real-world assets, digital wallets, advertising, market conduct, and enforcement. It also extends to foreign providers that actively target Kenyan customers or derive economic benefit from the country, even without a physical presence. Under the framework, licenced firms must maintain governance frameworks, conduct customer due diligence, retain transaction records for at least seven years, submit regular regulatory reports, and implement cybersecurity and business continuity measures. Oversight is split between Kenya’s financial regulators. The Central Bank of Kenya (CBK) will supervise virtual asset-to-fiat conversion services and stablecoin issuers, while the Capital Markets Authority (CMA) will regulate exchanges, token issuance platforms, initial coin offerings, and tokenisation activities under the VASP Act and accompanying regulations. The CBK had already begun preparing for the new regime in April, when it advertised vacancies for roles covering licencing, product approval and compliance for virtual asset service providers. With the regulations now gazetted, crypto firms can begin the process of seeking approval to operate under the new regime. True scale demands moving beyond surface-level integrations to robust execution. We’ve filtered the noise out of Moonshot 2026, optimising the conference strictly for high-calibre connections between startup founders, global financial operators, enterprise leaders and individuals rewiring Africa’s technical frameworks. Get 20% off Early Bird tickets for a limited time.
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