Carbon Microfinance Bank

Carbon, operated by One Finance & Investments Microfinance Bank Limited, is a digital bank licensed by the Central Bank of Nigeria (CBN) and insured by the Nigeria Deposit Insurance Corporation (NDIC). Founded in 2012, Carbon began as a digital lending platform (formerly known as Paylater) and has since evolved into one of Nigeria’s most innovative and trusted fintech institutions.

Headquartered in Lagos, Nigeria, Carbon provides a wide range of financial services, including instant loans, savings, payments, bill settlements, debit cards, and credit score management; all available through its sleek, user-friendly mobile app. The platform leverages technology, data, and customer insight to deliver fast, transparent, and accessible banking experiences to individuals and small businesses.

Guided by its mission to empower people to control their finances effortlessly, Carbon continues to pioneer digital banking in Nigeria by offering secure, efficient, and inclusive financial solutions that support everyday life and long-term growth.