Before the unicorn valuation, Tosin Eniolorunda was borrowing from his wife to make payroll.
Here's how he built @moniepointng into a $1B company:
- Focused on offline payments when others looked away
- Used transaction data (not collateral) to lend to SMEs
- Landed Jim Ovia's $5.5M cheque
This conversation happened here first.
👉 Watch the full conversation on YouTube (@NidacityLimited)
🎙️ Full episode in the comments.
Nigerian Audacity — Nidacity Founder Kemi Adeosun sat with Tosin Eniolorunda, Moniepoint Founder.
He broke down his journey from schoolboy hustler to IT career to entrepreneur, and all that he learned along the way.
He explained how data is transforming lending to SMEs, with loan amounts driven by ability to repay as gleaned from the data.
His insights on fundraising and attracting that first investor are a lesson in doing the best you can, as your first investor may be your current client.
This is the eighth podcast we have released, talking to Nigeria's builders — learning, equipping, and readying the next corporate leaders at all stages of their journey.
These 5 books are all you need to get your personal finance in order.
-The Richest man in Babylon by Clason
-Rich dad, Poor dad by Robert Kiyosaki
-The Psychology of money by Morgan Housel
-Atomic Habits by James clear
-The Almanac of Naval Ravikant
Read them in that order as well, you will come out a better person, not just with your finances.
I think the hardest part of doing presentations is that you still have to think of the content to put in
the slides aren’t really the problem
it’s figuring out what to say and how it all connects
Perceptis is interesting because you can literally give it a prompt and it builds a full, consulting-style presentation with a clear narrative
even from something as simple as a rough idea or screenshot
and it comes out as an editable PPTX you can actually use..that’s so teaaaaa🤭🤏🏾
For people that do presentations often, you can try it out: https://t.co/E1N3nDKQwm
“No one is coming to save you” also implies that “No one is coming to stop you.”
No one cares about you beyond what you can do for them.
This shouldn’t make you nihilistic. It should make you love & care about yourself more.
Get rich. Get jacked. Read the Bible. Wear condoms.
As a young man, Caesar stood before a statue of Alexander the Great. He stared at it for a long time.
Then… he began to cry.
His friends were confused.
"Why are you weeping?"
Caesar answered:
"At my age, Alexander had conquered the world… and I have done nothing."
Most men compare themselves to weaker men and feel proud. Caesar compared himself to greatness—and felt hunger.
Years later, Rome would kneel before him.
Your standards shape your destiny.
HOW AI AGENTS ACTUALLY WORK.
20 minutes. clearer than any course you've paid for.
Bookmark this. watch it tonight.
full breakdown of both Claude Agent Teams and Kimi Agent Swarm below.
Yesterday, May 19th, in Abuja, I attended the Presidential screening organised by our party, which took over two and a half hours. They carefully reviewed all my documents, including my degree certificates, NYSC credentials, and age declarations.
During the process, I also addressed questions regarding my vision for a new Nigeria and the type of leadership our nation urgently needs right now. Following this, I was cleared and received the presidential nomination form I had previously paid for.
I would like to commend the screening committee, led by former governor Sam Egwu, for their thorough and professional approach. Additionally, I appreciate our party's leadership for upholding the democratic process.
A New Nigeria is POssible. - PO
Thank you @ChuksEricE for sharing my son’s talent with your platform for the world to see. We truly appreciate everyone for the likes, comments, and support ❤️🙏
Please support @Adavize_10 by following his X handle as we continue this beautiful football journey together ⚽✨
"Some men change their party for the sake of their principles; others change their principles for the sake of their party." Winston Churchill
Today, May 9th, I attended the 1st convention of my latest party, the Nigeria Democratic Congress (NDC) in Abuja, Nigeria. The convention was successful and continued to show the resilience of Nigerians to change
I express my sincere appreciation and gratitude to the NDC family, led by the distinguished Senator Henry Seriake Dickson, for inviting us and for the generosity of spirit with which they have accommodated us at this critical moment in our national journey.
I also wish to express profound gratitude to the African Democratic Congress(ADC), particularly Distinguished Senator David Mark, for providing a democratic platform and showing uncommon understanding when the ongoing litigation forced us out of the Labour Party and the New Nigeria People's Party, NNPP respectively. That spirit of solidarity must remain the foundation upon which a better Nigeria will be built.
Today, the most painful aspect of our political existence is that many who once benefited from democratic governance have now become willing accessories to the destruction of democracy itself. Those who once fought for justice now openly celebrate electoral injustice. Those who once spoke against impunity now defend coercion, manipulation, intimidation, and outright political gangsterism, especially against opposition voices. What we are witnessing is not politics; it is a systematic assault on democracy and the will of the people.
Nigeria today stands at a dangerous crossroads. Our democracy is under severe threat. Our nation is drifting without direction, and our people are passing through immense suffering. Across the world, Nigeria is increasingly described as a failing and disgraced nation. This is not the destiny God ordained for our great country. It was not always so, and it must never be allowed to remain so.
Across virtually every recognised indicator of good governance - accountability, political stability, rule of law, control of corruption, government effectiveness, regulatory quality, and the separation of powers - Nigeria continues to record alarming failures. The institutions that should protect the people are weakening daily, while the burden on ordinary citizens grows heavier with each passing moment.
Today, over 140 million Nigerians live in multidimensional poverty. Tens of millions of young people remain unemployed or underemployed. Inflation continues to crush families. Businesses are shutting down. Farmers can no longer safely access their farms. Communities live in fear. In this month alone, hundreds of innocent Nigerians have lost their lives to insecurity, while many others have been kidnapped, displaced, or thrown deeper into poverty.
The most heartbreaking question confronting us is this: Who consoles the grieving mother whose child was abducted on the way to school? Who speaks for the father who can no longer feed his family despite working every day? Who defends the young Nigerian whose dreams have been destroyed by a nation that rewards connections over competence and corruption over character?
Our present tragedy is not accidental. It is the direct consequence of years of deliberate sabotage by a political class that prospers by dividing the people and weakening the nation. Nigeria is not a poor country; rather, we are being looted into poverty. We have abundant human and natural resources, yet we remain trapped in deprivation because leadership has failed to place the common good above personal interest.
Our choice as a people is therefore clear: whether to surrender to despair and national decline, or to summon the courage to rescue our country and rebuild it on the foundations of unity, equity, justice, competence, and productivity.
This Mamapee advert on Peter Obi is super!
Should be played over & over again to our youths, parents, elders, new & old voters.
Nigeria Will Be “OK” if we do the right thing.
A new Nigeria is POssible.
Stanford’s 2025 LLM course has 9 lectures covering all you need to start from scratch: architecture, training, fine tuning, reasoning, evaluation, and current trends.
https://t.co/NVBxGR6V3I
If you are wondering why Peter Obi is being attacked from every angle then watch this video. The establishment is after him because he will block every avenue they use to steal our money when he becomes the president. Useless and unnecessary spending will not be allowed under his government.
Watch as Peter Obi reveals how he handled his traditional marriage 🤣🤣. Chai! Okwute for a reason. Very interesting story honestly🙆.
Every day I listen to this man, I keep realising why the establishment and the elites will do everything to stop him. Under Peter Obi's presidency, they will not see shi shi to steal👌.
Dear, ordinary Nigerians, we must make Peter Obi our project oh!!
#PeterObiIsComing
#PeterObiOrNothing
Building an auth system?
You need to be extra careful cos that thing is literally the front door to your entire application.
So implement the following
1. Rate limit your auth endpoints properly.
If you don’t, people will comfortably sit somewhere and spam login/register/reset password requests all day.
Doing that helps reduce brute force attempts, abuse and unnecessary load on your infrastructure.
Implement throttling too.
Especially on failed login attempts.
That one helps slow attackers down heavily instead of allowing unlimited guessing attempts per second.