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Financial Technology

Zeezy Bridge

Borrow what you need. Return exactly that.

Nigeria · 2026
The Challenge

Short-term cash gaps in Nigeria are usually met with loan apps that add interest, fees, insurance, and pressure — including contacting a borrower's family. People needed a way to cover a tight month without turning a small shortfall into a year of debt, and without a product that behaves like a conventional lender.

The Approach

We designed Zeezy Bridge around a fund, not a loan book. Money goes out as assistance; the same figure comes back into the pool for the next person. No interest, no fees, no collateral, no guarantor. The product is deliberately not a bank or a licensed lender — the experience has to make that proposition unmistakable: one figure out, the same figure back, with the terms visible before anyone shares a BVN.

The Product

Users choose an amount and duration, see a repayment plan with ₦0 on every extra line, then complete identity checks (BVN or NIN) and bank-account verification. Disbursement lands in their own account; repayment is tracked against a dedicated virtual account. Fund availability is managed so the platform can say what it can actually release before anyone commits.

Repayment-plan calculator
Identity verification
Fund & disbursement
The Engineering

We built the web application flow end to end: onboarding, the repayment-plan calculator, amount and duration selection, identity and bank verification, fund availability, disbursement, and repayment tracking. Transparent terms sit in the product, not in a PDF after the fact — the plan the user sees is the agreement.

The System
Client Layer
Web application
Onboarding
Repayment plan
↓REST / Webhooks
Trust
BVN / NIN
Bank account check
Transparent terms
↓REST / Webhooks
Fund
Availability
Disbursement
Repayment tracking
↓REST / Webhooks
Model
0% interest
No fees
No collateral
The Outcome

Live

Status

Nigeria

Market

Web

Platform

₦0

Cost to user

Technology

Request, verify, disburse, and repay on the web