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.