Some parts of Africa remain excluded from digital financial services, often due to the lack of smartphones, poor connectivity, or unreliable electricity. YHWH Vision Ventures, a Nigerian startup, is determined to change this narrative.
The startup says its target audience includes merchants and individuals in underserved areas where connectivity and infrastructure are unreliable. By focusing on the street-level realities of Africa, YHWH Vision Ventures addresses the real-world barriers that prevent millions from accessing financial tools.
In this edition of Techparley’s DRIVE100, we spotlight how YHWH Vision Ventures, founded by Segun Ademigoke Adeniran, is transforming financial inclusion by bringing offline-first digital banking and payment solutions to millions of Africans previously excluded from the digital economy.
“Our target audience are the 60 millions plus excluded from digital finance for lack of smartphone, living in areas with bad connectivity or electricity. The impact is to ensure that the informal sector is not excluded from digital finance because of the lack of smartphones or the expensivity of it,” Segun told Techparley.
What You Should Know
At the heart of YHWH Vision Ventures’ offering is Quantum Wallet, a dedicated hardware neobank designed for Africa’s streets.
“Our flagship product quantum wallet is an offline first, banking and payment, personal pos, financial engine. A dedicated hardware neobank. Built with africa streets in mind,” Segun emphasises.
Unlike conventional digital wallets that rely heavily on internet connectivity, Quantum Wallet is offline-first, allowing users to make payments, transfer funds, and manage their finances even in low-connectivity environments.
Key features include:
- Tap-to-pay functionality for seamless transactions.
- UID-to-UID transfers that work offline and sync later.
- Integrated digital identity via the hardware itself.
- Biometric security systems to protect user data and financial transactions.
Carving a Unique Path in Fintech
What sets YHWH Vision Ventures apart from existing fintech solutions is its full-stack ownership. The startup designs and controls the hardware, firmware, and backend infrastructure, allowing it to operate independently of traditional mobile networks and digital platforms.
“We’re not competing with existing brands,” Segun notes. “Our infrastructure enables other companies to reach underserved populations cheaply and sustainably.”
Closest competitors may include mobile money providers and fintech startups, but YHWH Vision Ventures distinguishes itself by combining hardware-first innovation with offline functionality and scalability.
Despite being a young company, YHWH Vision Ventures has made significant strides. The startup has:
- Successfully developed a proof of concept.
- Built a working prototype of Quantum Wallet.
- Attracted interest from institutional banks such as 9PSB and Momo, pending onboarding.
“Our progress shows that even in a capital-intensive hardware space, African startups can innovate and deliver meaningful solutions,” Segun says.
The Team Behind the Vision
The company’s leadership team brings a diverse set of expertise:
- Segun Ademigoke Adeniran (CEO) – Economist, electronics engineer, and fintech & telecom expert.
- Abdullahi Asimiyu (Product Designer) – Electronics engineer responsible for hardware design.
- Babatunji Adewale (COO) – Human resource specialist overseeing operations.
- Emmanuel Ogbole & Habib (Firmware Engineers) – Developers powering the backend systems.
Segun’s combined experience in economics, telecom, and fintech provides a “shoulder to stand on,” allowing the team to understand markets, behaviours, and the African context intimately.
Vision for the Future
In the next 6–12 months, YHWH Vision Ventures plans to expand its network of terminals across Nigeria. Over the next 2–3 years, the startup aims to scale to other African countries, with a long-term vision of global expansion.
Segun believes government support is critical for startups like his:
- Deregulation and decentralisation of financial systems.
- Lower interest rates for businesses to access capital.
- Contracts for local startups to encourage growth and retention of funds within the economy.
- Innovation-focused education to foster a future generation of tech-savvy Africans.
- Digital economy awareness campaigns to ensure widespread understanding of emerging technologies, including cryptocurrency.
Venture capitalists, he argues, must play a long-term role: providing funding without immediate revenue expectations and supporting infrastructural innovation that builds sustainable ecosystems.
According to experts, YHWH Vision Ventures is a practical, hardware-driven solution designed to bring millions into the digital economy. By combining offline-first innovation, local insight, and a full-stack approach, the company is proving that financial inclusion in Africa is achievable.
Talking Points
It is impressive that YHWH Vision Ventures has developed Quantum Wallet, an offline-first hardware neobank, addressing a major barrier for millions of Africans who lack smartphones or live in areas with poor connectivity and unreliable electricity.
This single feature alone positions Quantum Wallet as a practical solution for real financial challenges, especially for merchants, small businesses, and individuals operating in underserved or informal sectors.
At Techparley, we see how tools like this can accelerate financial inclusion beyond urban centres, bringing meaningful access to digital payments and banking to those previously excluded.
As YHWH Vision Ventures scales, strategic partnerships with banks, fintechs, and institutions could accelerate onboarding and deepen its footprint across Nigeria and eventually other African markets.
With the right support, Quantum Wallet has the potential to become a catalyst for inclusive digital finance, bridging a significant gap in Africa’s informal economy.
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