Your money should
work harder than that.
Anakin is a Nigerian company building the loyalty infrastructure for the Nigerian economy. We are based in Abuja. We built this for a market we live in every day. This page tells you why.
The Problem
The transaction is the most undervalued moment in the Nigerian economy.
Every day, millions of Nigerians tap their cards at POS terminals. At fuel stations on their morning commute. At supermarkets after work. At pharmacies, restaurants, phone shops, and market stalls. Nigeria processes hundreds of millions of card transactions every year. Trillions of naira change hands through these small, unremarkable moments.
And for every one of those transactions, multiple parties take a margin. The bank collects an interchange fee. The payment processor takes their cut. The merchant keeps the spread. The infrastructure provider gets their slice. All of them, every time, without exception.
The customer — the person who actually moved the money, the person without whom none of this works — gets a paper receipt and nothing else.
This is not a new problem. It is not unique to Nigeria. But it is more acute here, because Nigerian consumers are among the most active payment users on the continent, and there has never been a universal mechanism for that activity to flow back to them. There have been bank loyalty schemes that only work within one bank's network. There have been merchant-specific points programs that expire after six months. There has been no single platform that says: spend anywhere in the ecosystem, earn on everything, automatically, forever. That is the gap Anakin was built to fill.
Our Beliefs
Four things we hold to be true.
These are not principles we arrived at from a strategy document. They are the product of building a loyalty platform from scratch for a market where none of the existing models work.
The Platform
One ecosystem. Three things it does well.
The infrastructure that puts money back in your pocket — from the wallet you fund to the credit line you earn.
The Design
Most loyalty programs reward what you spend. We reward how often you show up.
The streak system is the most deliberate design decision in the platform, and it is worth explaining in full because it is different from what most people expect.
A streak is a count of consecutive 48-hour engagement windows in which a user completes at least one qualifying transaction. The window is rolling, not calendar-based. If you transact at 9am on Monday, your window runs until 9am on Wednesday. If you transact again at 7pm on Tuesday, the window resets — running until 7pm on Thursday. The specific time of day does not matter. The frequency does.
We chose 48 hours over 24 deliberately. A 24-hour window is a calendar-day system, and calendar days are rigid. A user who transacted at 11:58pm Monday and at 12:02am Wednesday has maintained the spirit of daily engagement but would break a calendar-day streak. A 48-hour rolling window is forgiving of real life without being lenient enough to be gamed.
Users also receive two grace days per 30-day cycle. If they miss a window — life happens — a grace day activates automatically, extending the deadline by 48 hours. Two misses in a cycle are recoverable. A third breaks the streak. The streak determines tier, and tier determines the earning rate and credit eligibility.
Tier progression
The Vision
Payments and loyalty are the foundation. The ecosystem is the ambition.
Anakin launched with fuel payments, digital services, fleet management, and vouchers. These are not the product — they are the proof that the infrastructure works. The real product is the ecosystem we are building on top of that infrastructure.
Every vertical in the Nigerian economy where a consumer spends money is a vertical where Anakin Credits can flow back to them. Restaurants and food delivery. Retail and fashion. Transportation. Healthcare and pharmacies. Education. Housing. Capital markets. Each of these represents a category where the same problem exists — the consumer transacts and gets nothing back — and where the Anakin Credits layer can change that.
The fleet management product is an early indicator of where this goes at the business level. Fleets are managed through Anakin: drivers have wallets, managers set budgets, fuel spend is controlled and recorded. As we grow, this expands: payroll, expense management, business Credits, and B2B tools built on the same infrastructure that serves individual consumers.
We are not building a payments app. We are building the loyalty infrastructure for the Nigerian economy. The payments are how we access the transaction. The Credits are what flows back. The ecosystem is where that value compounds over time.
Who We Are
We are based in Abuja. We are building in Nigeria.
The Anakin Group is the company behind the Anakin platform. We are headquartered in Maitama, Abuja, in the Federal Capital Territory of Nigeria. Anakin Network Services Ltd is the entity that issues Anakin Credits and operates the platform under Nigerian law. All products and services are governed by the laws of the Federal Republic of Nigeria and are NDPR-compliant.
We are a small team that moves quickly and builds carefully. If you have a question that this page does not answer, reach us directly.
Get in touch
Maitama, FCT, Abuja, Nigeria
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Anakin is live. Sign up, fund your wallet, and start earning Credits on your very first transaction. Every person who participates from the beginning is part of what this becomes — and Anakin is building toward a future where that participation is recognised as a stake in what we've built together.