尼日利亞中央銀行（CBN）最近公佈了一份獲得商業批准的108家國際匯款運營商（IMTO）的名單。這意味著還有一些運營商處於初步批准（AIP）或申請審核階段。這次的大規模發布標誌著CBN在過去十年的IMTO許可歷史上首次出現如此多的公司運營。早在2016年，尼日利亞僅有約15家IMTO。目前，這一數字已經超過100家，這對於這一領域的運營商來說無疑是天翻地覆的變化。
CBN的這一加強美元流入的努力與非金融科技公司通過跨境支付來增長的驅動力相一致，這對於雙方來說是一個雙贏的局面。IMTO許可使得持有者能夠促進資金進入尼日利亞。過去十年間，流入尼日利亞的資金平均為200億美元，儘管這是一個龐大的數字，但對於超過100家有鯨魚夢想的企業來說，它僅占很小的一部分。
實際上，根據FXC Intelligence的報告，匯款在跨境支付中的比重僅為2%。因此，雖然沒有非銀行CBN許可來促進資金的外流，但金融科技公司利用匯款和IMTO許可作為楔子，透過與監管機構的對話來支持其他用途。
尼日利亞IMTO運營商的國家分佈概況
並不是所有IMTO持有者都是在尼日利亞註冊的。根據CBN的指導方針，本地和外國實體均可申請IMTO許可。如果您是外國實體，則需提供您在運營國的執照。尼日利亞註冊的公司占已許可IMTO的45%，其後是英國、美国和加拿大，分別占33%、9%和7%。此外，來自烏拉圭、盧旺達、塞內加爾、西班牙、摩洛哥的企業也獲得了在尼日利亞的IMTO許可。
面向2025年的尼日利亞IMTO名單
以下是截至發書時的CBN官網上當前公司的完整列表：
- ACHA GLOBAL HUB LIMITED
- AFRIEX INC
- AFRISURGE TECHNOLOGIES LIMITED
- AYG LIMITED
- AYOT GLOBAL SYNERGY LIMITED
- BANFFPAY LIMITED
- BELYFTED LIMITED
- BLAAIZ INNVOATIONS TECHNOLOGY LIMITED
- BRAILS FINANCIAL INC
- BROAD MONEY TRANSFER LIMITED
- BUD TECHNOLOGY SERVICES
- CASHPOT LIMITED
- CENTREXCARD LIMITED T/A (TransferBoss)
- CHIME INC (SENDWAVE)
- CHRISBOROUGH SOLUTIONS LIMITED
- COLONY CAPITAL LIMITED
- COMET TRADING LIMITED
- COWRIE INTEGRATED SYSTEMS LIMITED
- CP EXPRESS LIMITED
- CSL PAY LIMITED
- CURRENZO NIGERIA LIMITED
- DIREKT WIRE UK LIMITED
- DT&T CORPORATION
- D-WAY SERVICES LIMITED
- E27 PARTNERS UK LIMITED
- e-2-e PAY LIMITED
- EAZZY TRANZACT PAYMENT SERVICES AFRICA LIMITED
- ETITI WORLDWIDE INNOVATIONS LIMITED
- eTRANZACT INTERNATIONAL PLC
- EXACTREM LIMITED
- FA GLOBAL BK FINANCE
- FINCRA TECHNOLOGIES LIMITED
- FLUTTERWAVE TECH PAYMENTS LIMITED (Formerly FLUTTERWAVE TECHNOLOGY SOLUTIONS LTD)
- FUNTECH GLOBAL COMMUNICATIONS LIMITED
- GABTRANS UK LIMITED/MONEY TO LIMITED
- GLOBAL CURRENCY TRAVEL & TOURS LIMITED
- GLOBAL WIRE NG LIMITED
- GOLDSTACK TECHNOLOGIES LIMITED
- GRANTS PAYMENTS SOLUTIONS LIMITED
- GTXN CO
- IDT PAYMENT SERVICES INC.
- INTERSWITCH LIMITED
- JITAKU FINANCIAL SERVICES LIMITED
- JUBA EXPRESS
- JUICE TECHNOLOGY SYSTEMS LIMITED
- KREDETE TECHNOLOGY LIMITED
- KUPA IMTO NIGERIA LIMITED
- LEADREMIT INC (FIRST APPLE)
- LIGHTWAY FINANCE LIMITED (Formerly STERLING CURRENCY EXCHANGE LTD)
- LINEMARK ASSOCIATES LIMITED
- MANSU DIRECT LIMITED
- MASTERCARD TRANSACTION SERVICES (MTS)
- ME INTERCHANGE NIGERIA LIMITED
- MONEYGRAM
- MORE MONEY TRANSFERS LIMITED
- MULTIGATE NETWORK PAY INC (Formerly MULTIGATE GROUP HOLDING LIMITED)
- NAIRA GRAM LLC/ NGN GRAM LIMITED
- NALA PAYMENTS LIMITED
- NASH TECHNOLOGY LIMITED
- NOUVEAU MOBILE LIMITED
- NOVAC REMIT LIMITED
- OBSIDIAN ACHERNAR PAYMENTS LIMITED
- OLIVE MONIES EXPRESS LIMITED
- OXFORD 19 LIMITED
- PAGA REMIT LIMITED (Formerly PAGATECH LIMITED)
- PAYAZA AFRICA LIMITED
- PAYCELER LIMITED
- PAYMENT PROCESSING INC. (Formerly VTNETWORK LIMITED)
- PAYSEND PLC
- PEARL PAYMENTS LIMITED (Formerly ALALAMIYA EXCHANGE LIMITED)
- PENIEL SERVICES LIMITED
- PING EXPRESS (Formerly FIEM GROUP LLC DBA)
- PUMPCHAIN TECHNOLOGIES PLATFORM LIMITED
- QUICKREMIT LIMITED
- RADIANTLIFE FINANCIAL SERVICES LIMITED
- RAENEST INC
- REFITOK INTERNATIONAL LIMITED
- REMITIX LIMITED (MUKURU)
- REMITLY INC.
- RIA FINANCIALS
- RIGHTCARD PAYMENT SERVICES LTD (A LEMFI BRAND COMPANY)
- SAANA CAPITAL LLC
- SENDFIRST ENTERPRISES LIMITED
- SHARPERLY LIMITED
- SIMBAPAY LIMITED
- SIMPLIFY INTERNATIONAL SYNERGY LIMITED
- SMALL WORLD FINANCIAL SERVICES GROUP LIMITED
- SUPER TRANSFER UK LIMITED
- SWIFT PAYMENT LIMITED
- TAPTAP SEND UK LIMITED
- TCF SERVICES LIMITED
- TECHNEST LIMITED
- TERRA PAYMENT SERVICES (UK) LIMITED
- TETRAD INCORPORATION LIMITED
- TRANSFER ZERO MONEY TRANSFER E.P., S.A.
- TRANSFERCORP LIMITED/VFD GROUP
- TRANSFERTO MOBILE FINANCIAL SERVICES LIMITED (THUNES)
- VELOCITY TRANSFERS LIMITED
- VENTURE GARDEN GROUP
- VERTOFX LTD
- VOLOPA FINANCIAL SERVICES (SCOTLAND) LIMITED
- VOYSE TECHNOLOGIES (NIGERIA) LIMITED
- WAZA TECHNOLOGIES INC
- WEBLINK INTERNATIONAL LIMITED
- WESTERN UNION
- WORLDREMIT LIMITED
- ZYTREX PAYMENTS LIMITED
- 91 PAYMENTS LIMITED
這些IMTO的名單表明，尼日利亞在國際匯款市場上的積極參與。由於擁有大量的運作許可以及不同國家的市場參與者，CBN希望在不久的將來進一步推動資金進入尼日利亞，以促進其經濟的發展。