One Finance & Investments Limited, operating under the brand name Carbon (formerly Paylater), is a digital financial services platform focused on providing access to financial services for the African continent. Launched in 2016, the company started by offering instant smartphone-based loans to individuals. It has since evolved into a comprehensive digital finance platform, providing a range of services including loans, investment products (Payvest), fund transfers, bill payments, and credit scoring. Its mission is to empower individuals with access to credit and quality financial services, promoting financial inclusion through technology.

Founded in

Nigeria