CredPal, a Nigerian fintech company recognised for its credit and flexible payment services, has introduced Atom. This new investment platform enables users to purchase Nigerian stocks, US securities, and digital assets. Users can also access naira liquidity based on eligible holdings without needing to sell them.
Announced today, Atom combines investment services with AI-powered market intelligence and asset-backed lending. The company says the platform is designed to help investors manage their portfolios and meet financial needs without having to liquidate their investments.
Through Atom Retail, individual investors can buy and trade Nigerian and US stocks, alongside more than 300 digital assets, without a minimum deposit. The platform also provides personalised market and portfolio insights to help users understand their holdings.
Investors who need cash can pledge qualifying assets to access naira liquidity or margin, subject to eligibility. This could help users cover expenses such as school fees, business costs, housing and emergencies without immediately selling investments.
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Fehintolu Olaogun, Atom’s chief executive officer, said the idea came from CredPal’s experience building credit products and seeing how often people had to give up assets to meet immediate financial needs.
“Nine years of building CredPal showed us how often people need cash and how often getting it costs them something they wanted to keep. Atom is built so investors can own more and sell less.” Olaogun said.
CredPal also wants Atom to power other financial platforms
Beyond individual investors, Atom is targeting banks, fintechs, stockbrokers and wealth managers through Atom Business. The service provides APIs and white-label infrastructure that these institutions can use to offer customers trading, portfolio management, market intelligence and asset-backed liquidity.
Olorunfemi Jegede, Atom’s chief operating officer, said many financial platforms bring customers into the investment market but lack the tools to support them after their first purchase.
“Most platforms should not have to build all of that themselves. Atom Business gives them that infrastructure through APIs and white-label products,” Jegede said.
The launch comes against a backdrop of limited participation in Nigeria’s capital market. CredPal cited Securities and Exchange Commission data showing that fewer than 4% of Nigerian adults invest in the market.
Atom is built on CredPal’s existing underwriting, risk management, and payments infrastructure. CredPal says it has disbursed more than $100 million in credit and serves over one million users.
However, the company says regulated services on Atom will be delivered through the relevant licensed CredPal entities or partners. Stockbroking and crypto services will be provided through licensed brokers, while CredPal and its lending partners will provide asset-backed liquidity.
The platform’s launch adds another player to Africa’s growing digital investment market, with a model that combines access to financial assets with the ability to borrow against them.
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