Monsera Technologies Limited · Abuja

Embedded Credit Infrastructurefor Prepaid Electricity

Infrastructure that enables electricity distributors to advance power to prepaid customers in-app and recover it at the next top-up.

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Built for DisCos, Banks & Lenders of Record

Credit disbursement flow chart

Powering Infrastructure For

DisCos

Aggregators

CCPs

Collection Channel Partners

MGOs

Mini Grid Operators

Infrastructure, Not Just An App

We don't face the user. We plug directly into the utility ecosystem to create invisible, secure credit lines by our lender of record partner.

Meter anchored icon

Meter-Anchored

Credit is tied to the physical meter, not the person. This eliminates identity fraud and allows for instant automated enforcement

AI scoring engine icon

AI Scoring Engine

Our proprietary engine analyzes consumption behavior to score meters instantly. No KYC documents or credit history required

Guaranteed repayment icon

Guaranteed Repayment

Integration with DisCo obligation registries ensures 100% repayment from the next vending token purchase

The Advance Is Made in Electricity and Repaid in Cash.

A customer who has opted in selects an amount to repay. The 10% service charge is netted at the point of advance, so what reaches the meter is the amount repayable less the charge: on a ₦2,000 obligation, ₦1,818 of electricity is issued. Nothing is added later.

01

Opt In & Assess

The customer accepts the terms inside the distributor's own application. The request is scored against that meter's own purchasing history — no identity check, no personal credit profile, no credit bureau record.

02

Issue

A standard 20-digit token issues through the distributor's existing vending channel. The obligation is recorded against the meter in the distributor's own registry.

03

Recover & Settle

At the next purchase through any authorised channel, the distributor's settlement system applies that purchase to the obligation before releasing new tokens. The service charge is reconciled and shared. No late fees, no penalties, no compounding interest.

ecosystem users

Designed for the Ecosystem.

Monsera isn't a competitor; we are the layer that connects utilities, finance, and customers.

Utility Companies (DisCos)

Ensure continuous power for customers while unlocking new prepaid revenue through automated credit recovery.

Aggregators

Boost transaction volume, reduce churn, and offer credit without carrying the risk — all through one embedded API.

Collection Channel Partners (CCPs)

Extend electricity advances through your existing payment and collection points, with repayment captured automatically at the next top-up.

Mini Grid Operators (MGOs)

Keep customers on your grid powered between top-ups, with meter-anchored credit and automated recovery built into your vending flow.

OUR MISSION

Bridging the Gap Between Energy & Finance.

Monsera was founded on a simple belief: access to electricity shouldn't be a luxury, and credit shouldn't be a gamble.

For too long, utility companies have struggled with revenue assurance while customers faced power cuts due to liquidity shocks. Traditional banks couldn't help because the data was fragmented and the risk was opaque.

We built the bridge. By leveraging data directly from the grid and embedding credit logic into the vending process, we unlock value for utilities and dignity for consumers. We are the quiet, reliable partner powering the next generation of utility services.

Partner Driven

We don't compete with our clients, we empower them.

Security First

Bank-grade encryption and privacy by design.

large monsera logo

Built for Inclusion

Empowering millions of underbanked households with invisible, instant credit lines.

Leadership & Advisory

Built by operators across infrastructure, finance, and regulation.

Monsera combines founder-led execution with legal, financial, and investment guidance shaped for regulated utility credit markets.

Dr. Chukwuemeka Azubuike

Founder and Chief Executive

Strategy, execution, and stakeholder relationships

Founder & CEO of Monsera Technologies Ltd, Dr. Azubuike has spent a decade operating at the intersection of systems design, development finance, and digital infrastructure across Nigeria and West Africa. Trained as a physician, with postgraduate credentials from SDA Bocconi and Oxford Said Business School, he brings technical rigour, commercial discipline, and a structural insight into Nigeria's existing DisCo settlement rails.

Bolaji Akinboro

Chairman, Advisory Board

Institutional guidance and market governance

Bolaji Akinboro chairs Monsera's Advisory Board, supporting the company with strategic oversight, institutional credibility, and market-level guidance as Monsera scales embedded credit infrastructure for utilities, capital partners, and distribution ecosystems

Oriasotie Emmanuel Ehimare

Chief Technology Officer

Technology strategy, systems architecture, and software engineering

Oriasotie Emmanuel leads technology at Monsera, where he oversees technology strategy, systems architecture, and engineering across the platform. A software engineer and systems architect with a decade of experience building software solutions, he specialises in translating complex business problems into robust, scalable technology. His experience spans backend engineering, financial technology, and the design of reliable systems that support business growth. A hands-on technical leader, he combines deep engineering expertise with a product-oriented mindset, driving the development of technology that is both technically sound and commercially effective.

Sharon Obi

Head of Legal, Risk and Regulatory Affairs

Regulatory strategy, legal structuring, and compliance

Sharon Obi leads Monsera's regulatory strategy, legal structuring, and compliance architecture. Sharon oversees engagement with key regulatory bodies and navigates the multi-layered licensing environment behind Monsera's embedded credit model, ensuring commercial relationships are structured with precision, enforceability, and regulatory integrity.

Ajiboye Yusuf

Data and Machine Learning Lead

Credit scoring, model validation, and applied machine learning

Ajiboye Yusuf leads data and machine learning at Monsera, where he co-creates and validates the credit scoring capability behind Monsera's embedded credit model and provides independent technical assurance over its build. A data scientist by training, he turns raw data into clear, defensible decisions, backed by a deep foundation in mathematics, statistics, and econometrics. A former university instructor, he brings rigor, clear reasoning, and a talent for explaining complex ideas simply.

Gbenga Awe

Investment Advisor

Capital strategy and investment alignment

Gbenga Awe advises Monsera on investment strategy, capital alignment, and financing pathways, helping connect the company's infrastructure model with the expectations of capital partners backing scalable utility credit.

Chioma Ozoani

Finance Officer

Financial management, reporting, and reconciliation

Chioma Ozoani is responsible for financial management, reporting, and reconciliation across Monsera's multi-partner commercial architecture. Her development-sector finance experience supports the rigour and accountability required for embedded credit infrastructure built around DisCos, capital partners, and institutional stakeholders.

The Numbers Behind the Model.

From Monsera's own analysis of distributor vending data.

~5

MEDIAN PURCHASES PER MONTH

₦2,900

MEDIAN TICKET

6 WKS

INTEGRATION WINDOW

Trusted by Industry Leaders

Partnering to modernize utility infrastructure across the continent.

'Monsera‘s infrastructure allowed us to launch a BNPL product for our 500k customers in just 3 weeks. The repayment rates are phenomenal.'

Chief Commercial Officer

Major Distribution Company

'Finally, a credit model that understands utility risk. Monsera‘s scoring engine is accurate and the automated recovery is a game changer for our risk committee.'

Head of Digital Lending

Pan-African Bank

'Seamless integration. We plugged Monsera into our vending platform and saw transaction volume increase by 15% immediately.'

Chief Technology Officer

Utility Aggregator

Scope

What Monsera Does, and What It Does Not.

Monsera holds no personal data, runs no application, sends no messages and has no collections function. The architecture, rather than the policy, is what keeps it clear of conduct risk.

01

Monsera Operates

The Infrastructure Layer

The decisioning engine that evaluates a meter's own purchasing history — frequency, amount, regularity — against defined eligibility parameters, together with the systems that record, fund and reconcile every advance.

The obligation registry interface and settlement reconciliation

Float orchestration against the lender of record's facility

Reporting, audit trail and immutable event logging

First loss on non-recovery, absorbed from its own fee share

Recovery runs through the distributor's existing settlement system. There is no collections function.

02

Monsera Does Not

Outside Monsera's Scope

Monsera does not lend in its own name or hold credit on its own balance sheet. Every advance is booked under the licence of a finance company licensed by the Central Bank of Nigeria as lender of record.

Operate any consumer-facing application or brand

Hold customer funds, take deposits or operate customer wallets

Receive customer names, addresses, telephone numbers or identity numbers

Communicate with customers or conduct any collections activity

Monsera does not sell electricity, set tariffs, or operate a distributor's billing system.

03

What the Customer Receives

A Standard 20-Digit Token

A standard 20-digit transfer token, entered at the meter exactly as any other purchase. Nothing about the customer's experience of vending changes. The service charge is netted at the point of advance, so nothing is added later.

Ordinary vending is never conditional on opting in

Surplus releases as electricity in the ordinary way

No late fees and no penalties

No compounding interest at any point

Example token: 4821 7390 1164 5207 8853 (illustrative).

Important Note

The structure keeps every party within the authorisation it already holds. No party's licence is extended to cover another's activity.

Frequently Asked Questions

How does Monsera ensure repayment?
Monsera integrates directly with distribution companies‘ obligation registries. When a customer purchases their next vending token, repayment is applied in the distributor's settlement system before new electricity tokens are released. Because electricity is bought frequently, recovery arrives on a short, predictable cycle, with no collections function, no reminders and no third-party recovery agent.
Who holds the credit risk?
Every advance is booked under a finance company licensed by the Central Bank of Nigeria as lender of record, with the pool funded by banks and development finance institutions against a first-loss provision. Monsera absorbs first loss on non-recovery from its own fee share. Distributors carry no credit exposure.
How long does integration take?
Integration runs to a six-week window. Tokens issue through the distributor's existing vending channel, and technical and commercial documentation is available under non-disclosure.
Is KYC required for end-users?
No. Each request is scored against that meter's own purchasing history: frequency, amount and regularity. There is no identity check, no personal credit profile and no credit bureau record, and processing follows the Nigeria Data Protection Act 2023.
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Partner Enquiries.

Monsera works with licensed distribution companies, their state regulators, and the institutions that fund them. Technical and commercial documentation is available under non-disclosure.