SANEF Limited is a Nigerian company focused on accelerating financial inclusion. It was incorporated in 2019 as an initiative of the Central Bank of Nigeria, supported by banks and mobile money operators. SANEF aims to onboard 40 million unbanked Nigerians into the financial system by increasing access points and promoting financial literacy. Services include savings accounts, micro-credit, and micro-insurance. The target audience is low-income, underserved individuals. The unique selling proposition is its robust ecosystem with strong regulatory oversight, ensuring consumer protection and interoperability, making financial services more accessible and inclusive.