CHAMPPAY

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Banks & sponsor partners

You are being asked to put your permissions behind somebody. Here is who.

A sponsor relationship is a risk decision before it is a commercial one. This page is written for the person who has to defend it internally.

How we work

Partner-led by design, not by necessity.

Our products are built to run on licensed partners’ permissions and rails from day one. That is a deliberate architecture choice: it puts regulated activity where regulation already sits, and makes the division of responsibility legible to both sides.

Clear perimeter

We are explicit, in writing, about which activities sit with the partner institution and which sit with us. Ambiguity in that boundary is what makes these relationships fail later.

Regulator-aligned sequencing

The product roadmap is developed in step with the Central Bank of Nigeria’s framework and launched with licensed partners rather than ahead of them.

KYC and source of funds

Counterparty onboarding requires identification on both sides and source-of-funds evidence before value moves. This is a gate, not a preference.

Documented commercial terms

Our commercial relationships are papered — scope, exclusivity, non-circumvention and fee terms — before they operate, not after a dispute.

Diligence

What we will send you.

Ask, and you get the current pack rather than a brochure. Where something is planned rather than in place, it is labelled as planned.

Corporate

Incorporation and ownership detail, group structure as it stands, and the directors you would be dealing with.

Product & technical

Flow of funds, systems architecture, data handling, and the security posture appropriate to the stage we are at.

Commercial

Target segments, go-to-market sequencing, and the economics — with projections labelled as projections.

How it starts

A short, specific first conversation.

01

Scope call

Thirty minutes on what you would actually be sponsoring and whether it fits your appetite.

02

Documentation

The diligence pack, plus anything specific your risk function needs to see.

03

Risk review

Your process, our availability. We answer follow-ups directly rather than through an account manager.

04

Terms

Scope, responsibilities and commercials agreed in writing before anything goes live.

Need documentation ahead of a call? Say so and we will send what we have.

Contact us