Africa’s fintech sector continued to show resilience in the first half of 2025, attracting big-ticket deals despite tighter global funding conditions.
From mobile money giants to API-powered payment innovators, the continent’s top fintech players pulled in hundreds of millions of dollars to expand operations, diversify products, and drive financial inclusion.
According to data compiled by Nairametrics Research, 80 African fintech startups raised over $661 million between January and June 2025.
Ten of these did not disclose the amounts raised.
The top 10 fintech fundraisers alone accounted for more than $470 million, up from $431 million in the same period last year.
Senegal, Egypt, South Africa, Nigeria, and Ghana dominated the leaderboard, while the “Big Four” of Kenya, Nigeria, Egypt, and South Africa maintained their multi-year grip on the continent’s fintech capital flows, jointly securing 69.19% of total funding.
West Africa emerged as the top-performing region, pulling in $298.5 million (45.1% of total fintech funding). This was driven largely by Senegal’s record-breaking $137 million debt deal and Nigeria’s $112 million haul—more than double its H1 2024 figure.
North Africa followed with $230.8 million, anchored by Egypt’s $223 million total. Southern Africa, driven entirely by South Africa, secured $98.8 million, while East Africa brought in $23.8 million, with Kenya contributing the lion’s share at $23.3 million.
Top 10 Fintech startup fundraisers as of H1 2025
BNPL leader ValU secured $27 million from Saudi Investment Bank and Sanabil Investments. The deal coincided with ValU’s listing on the Egyptian Exchange, where Amazon converted its earlier EFG Holding investment into a direct 3.95% stake.
Operating through over 8,500 merchant partners, ValU offers installment plans of up to 60 months and has become one of the most recognized consumer finance brands in Egypt.
