Moni

Moni, which announced in November 2025 that it now operates under the name Rank, is a Lagos-based consumer money application focused on savings, community-based capital formation and managed investing. The app is organised around four product lines: Circles, a digital version of rotating contribution schemes (ajo, esusu, contribution clubs) in which members pool funds and one member is paid out each cycle; Tribe, shared community spaces where friends, family or colleagues save together, run contributions and split bills; Savings, comprising Reserve, Goals and Flex accounts for emergency funds, goal-based saving and flexible saving; and Investing, expert-led, low-to-medium-risk portfolios with real-time guidance from a dedicated wealth manager.

The company positions the service as extending wealth-management access normally reserved for high-net-worth individuals to a broader base of users through community networks, and frames Circles as a route to capital without debt. It states that it operates on licensed, regulated financial infrastructure, is licensed by the Central Bank of Nigeria, and that customer funds are insured. On-time contributions to Circles are reported as building users' credit history.

Business model

Consumer mobile application providing savings accounts, rotating community contribution circles and professionally managed investment portfolios, supported by human wealth managers.

Latest developments

In November 2025 the company announced its rebrand from Moni to Rank, alongside investor endorsements from MAGIC, Olumide Soyombo and Kola Aina published on its site.