Termii

Termii operates a communications and reliability infrastructure platform that delivers transaction-critical messages — login and onboarding OTPs, step-up authentication, payment and transfer confirmations, balance and limit alerts, fraud notifications and compliance messages — across SMS, voice (text-to-speech), WhatsApp and email through a single REST API. The platform is organised into three products: Signals, which scores delivery confidence, routes traffic across channels and applies real-time fraud scoring before a message is sent; Engage, for AI-timed campaigns, segments and journeys across SMS, WhatsApp and email; and Resolve, a shared inbox that handles inbound requests from WhatsApp, email, live chat, Instagram and Messenger. An AI layer the company calls Ayla, described as trained on more than 3 billion transaction signals, performs scoring, routing, monitoring and autonomous resolution, with signal scoring stated at under 50 milliseconds and automatic failover when a route degrades.

The company describes itself as AI-native reliability infrastructure serving banks, fintechs, e-commerce operators and other digital platforms, and states 3B+ transactions processed, more than 16 million end-users reached, 190+ countries covered and a 99.9% uptime SLA. Developer-facing resources include API reference documentation covering messaging, token, insights and Sotel products, regional base URLs used to route requests to the appropriate regulatory region, code samples in Node.js, Python, PHP and Java, a Postman collection, community SDKs and 13 signed webhook event types using HMAC-SHA256. Termii states it is certified, licensed and audited against data protection and financial regulation requirements applicable to regulated financial institutions. Beyond the core API, the company has launched TermiiGo, a mobile app offering direct-to-mobile notifications, rich SMS, time-based OTPs and local and international calling, and Sotel, a network-intelligent eSIM app covering 180+ countries.

Founding story

Termii was founded in 2017 in Nigeria to address the need for effective business communication solutions in Africa and support business growth in the region. Emmanuel Gbolade is CEO and co-founder, and Ayomide Awe is also listed as a founder.

Business model

Termii sells communications and transaction-reliability infrastructure to businesses on a usage-metered basis, via an API and a no-code campaign dashboard, complemented by mobile applications (TermiiGo, Sotel) and enterprise bundles for large institutions.

Pricing is per product and pay-as-you-go with no subscription or minimums on Signals: $0.0001 per transaction for BYOP connections, $0.0015 per Fraud Guard signal, $0.0005 per auto failover, and $50 per month per WhatsApp Business Account billed in USD in all regions. SMS, WhatsApp and email channel fees are billed per transaction on top of Engage, Resolve or Signals usage, with rates varying by destination and channel. Usage is metered in real time and consolidated into a monthly invoice, and pricing is offered in USD, NGN and FCFA. Custom volume pricing, private cloud deployment and onboarding are offered to banks, large payment processors and telcos.

Traction

The company reports 3B+ transactions processed, more than 16 million end-users and 190+ countries reached, with a team size of 63. At its 2023 raise it reported 3000% ARR growth and 400 million message transactions since the prior round, more than 10,000 businesses using its API and dashboard monthly, and financial services at 89% of customers; a 2025 launch post cited 20,000+ businesses. Named customers and case studies include Chipper Cash (4M active users, 7 African countries, 80,000 daily transactions), Umba, Paystack, Sterling Bank, Moniepoint and PiggyVest. Sotel reports pilots across four continents and partnerships with telecom operators in Africa, the US and Europe.

Latest developments

Termii now markets itself as AI-native reliability infrastructure organised around the Signals, Engage and Resolve products and the Ayla AI engine, with usage-based pricing per product. It has launched Sotel, a network-intelligent eSIM app for global connectivity, and continues to run its Termii Elevate conference program.