Zone Payment Network Limited

Zone Payment Network Limited (formerly Appzone) is a Nigerian fintech company that operates Africa’s first regulated, decentralized payment network built on blockchain technology. It is a African payment infrastructure company building a regulated, blockchain-based network to enable instant, low-cost, and secure account-to-account and digital currency payments for banks and financial service providers, connecting them directly to reduce intermediaries, automate reconciliation, and support same-day settlement. It functions as a decentralized layer-1 network, licensed by the Central Bank of Nigeria, allowing seamless value exchange between fiat, CBDCs, and regulated crypto instruments, creating a more inclusive financial ecosystem.