Across Africa, outdated and fragmented payment systems continue to affect millions of enterprises that trade across borders every day. ZuniQ, a Nigerian fintech platform, is seeking to change that.
Designed for speed, scale, and security, the company says it is building modern cross-border payment rails that make it possible for businesses to send, receive, and convert funds in seconds, and not days.
ZuniQ embeds compliance and security into every layer of its system. All transactions are fully encrypted, monitored, and aligned with international regulatory frameworks. The company partners with licensed financial institutions across multiple jurisdictions to maintain robust oversight and transparency.
“Emerging-market businesses are built for growth, but the systems they rely on for cross-border payments are not,” says Joshua Nwogodo, CEO of ZuniQ. “They need infrastructure that moves as fast as they do.”
What You Should Know
ZuniQ was designed to solve these exact problems. Its advanced cross-border payment rails enable businesses to send and receive money instantly across currencies and continents, with enterprise-grade security and transparent FX conversions.
From a single ZuniQ account, businesses can operate seamlessly in USD, GBP, EUR, NGN, KES, GHS, XOF, and UGX, managing all transactions through an intuitive dashboard or API integration.
With ZuniQ, businesses can:
- Settle payments in seconds, not days.
- Avoid FX losses with real-time, transparent exchange rates.
- Transact securely with full compliance and encryption.
- Manage global operations from one central platform.
“Speed, transparency, and trust: these are the real currencies of global trade today,” says Joshua. “That’s exactly what ZuniQ delivers.”
What Makes ZuniQ Different
Unlike many payment networks built for Western economies, ZuniQ adopts a local-first approach, designed specifically for the complexities of emerging markets.
This includes adapting to regulatory environments, ensuring liquidity across both local and major currencies, and providing near-instant settlements.
Through this model, ZuniQ offers:
- Localised compliance across African and international trade corridors.
- Real liquidity in diverse currencies.
- Instant, secure payments for suppliers, marketplaces, and business partners.
What This Means
According to the World Bank, Sub-Saharan Africa remains the most expensive region in the world to send money, with average remittance costs exceeding 8%. For businesses moving large volumes, that figure translates into millions lost every year in fees, delays, and currency fluctuations.
Joshua noted that the company is developing a full financial ecosystem tailored to emerging markets, and each product moves toward one goal: empowering businesses to trade globally with confidence, speed, and predictability.
“Our vision is to build an ecosystem where every business, no matter its size and location, can operate globally without payment barriers,” Joshua concludes. “That’s the growth story we’re writing at ZuniQ.”
According to experts, ZuniQ’s payment technology is transforming how money moves across emerging markets, converting friction into opportunity and isolation into inclusion.
By connecting markets, currencies, and communities, analysts agreed that ZuniQ isn’t just moving money; it’s powering the next chapter of global commerce.
Talking Points
It is commendable that ZuniQ is tackling one of the most persistent pain points in emerging-market trade; the slow, costly, and outdated systems for moving money across borders.
By reimagining cross-border payments with speed and transparency at its core, ZuniQ is directly addressing a structural challenge that has long held back SMEs in Africa, Asia, and Latin America.
At Techparley, we recognise that infrastructure like this forms the foundation for broader digital trade inclusion. When small businesses can pay and get paid instantly, they can scale beyond local borders with confidence.
However, the challenge ahead will be driving adoption among SMEs that are still unfamiliar with digital cross-border tools. Continuous education, simplified onboarding, and demonstrating tangible cost savings will be key to long-term success.
With the right partnerships and policy alignment, ZuniQ could become a cornerstone of Africa’s next-generation financial infrastructure, a catalyst for seamless, borderless trade and inclusive growth across emerging economies.
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