Trader
Now live across Nigeria

Your financial identity, built transaction by transaction.

Trace turns every sale, every payment, and every gig into creditworthiness. Informal traders across Nigeria finally have a financial identity lenders can trust.

Start for free See how it works
12,500+
Active Merchants
₦4.2B+
Processed
97.7%
Repayment Rate
₦890M+
Capital Deployed
Everything you need

Built for African trade, end to end.

01

Collect Payments

Share your Trace link, get paid in minutes. Every naira collected builds your financial identity.

02

Build Your TraceScore

Your score grows with every transaction. Creditworthiness — no collateral, no guarantors.

03

Unlock Capital

Lenders see your score and come to you. Pre-qualified offers land in your dashboard.

04

Find Work & Hire

Post jobs or pick up gigs. Every job completed pushes your TraceScore higher.

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Simple process

From signup to loan offer in 4 steps.

01

Sign Up

Create your account in 2 minutes. No documents needed to start.

02

Collect Payments

Share your Trace link. Every transaction counts towards your score.

03

Grow Your Score

Transact consistently. Your TraceScore rises with every naira.

04

Get Capital

Lenders offer you credit based on your score. No collateral, no queues.

Real people

Merchants and lenders who use Trace every day.

Fatima Aliyu

“Before Trace, banks looked at me like I had nothing. My TraceScore of 768 got me ₦800,000 — no guarantor.”

Fatima Aliyu
Fashion Trader · Alaba Market
Emeka Obi

“I've deployed ₦12M through Trace this quarter. The risk banding is accurate and repayments are clean.”

Emeka Obi
Private Lender · Lagos Island
Chisom Nwachukwu

“I post a job, 20 verified workers apply in an hour. Trace changed how I hire completely.”

Chisom Nwachukwu
Food Vendor · Surulere
Lender
For Lenders

Underwrite informal trade with confidence.

Access a pre-scored pipeline of informal merchants with verified transaction histories. Our risk banding and real-time dashboards give you everything you need to extend credit responsibly.

Real-time TraceScore API access
Risk banding: Low / Medium / High
Portfolio repayment analytics
Merchant financial history exports
Join as a Lender
718
Avg TraceScore
Across active merchants
2.3%
NPL Rate
Non-performing loans
₦680K
Avg Loan Size
Per merchant
97.7%
Repayment Rate
On-time repayments
Join 12,500+ merchants

Your financial identity starts today.

Sign up free, collect your first payment, and watch your TraceScore climb. No credit history required. No collateral. Just your hustle.

Create Free Account Sign In