HabariPay Limited, the fintech subsidiary of Guaranty Trust Holding Company Plc, has released its inaugural HabariPay Impact Report 2025. The publication charts the company’s evolution from a newly established digital venture into one of Nigeria’s leading payment infrastructure providers.
The release of the report on Wednesday comes amid remarkable financial acceleration for the firm. Backed by its flagship digital payments toolkit, Squad, HabariPay tripled its after-tax profits in 2025, surging to N9.7bn from the N3.8bn recorded in 2024. The milestone positions it as one of the most profitable holding-company-affiliated fintechs in the country, processing a total transaction value of N80.9tn, a 195.4 per cent year-on-year growth.
Originally introduced by GTCO in 2018 as a lifestyle “super-app” featuring e-commerce and music streaming, the platform struggled to capture a distinct market niche. However, a major corporate restructure in 2022 saw the entity pivot strictly into specialised payment services.
Reflecting on the company’s
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