Finance,
minus the catch.
No interest. No hidden fees. No selling your data to the highest bidder. We built the wallet we always wished existed — for people fairness was supposed to reach, wherever they live.
The industry we're done with
Interest that compounds against you, quietly, forever.
Fees buried where you won't look until it's too late.
Your data, packaged and sold to the highest bidder.
Apps built elsewhere, localized for you as an afterthought.
What we built instead
Zero interest. Not a promotion — a permanent principle.
Every fee shown before you ever tap confirm.
Your data stays yours. Not for sale, not ever.
Built from Africa, engineered for the whole world.
Zero Interest
Not an introductory rate. A permanent decision about what kind of company we chose to be.
Radical Transparency
We tell you what things cost, and why, before you ever have to ask.
Your Data Isn't For Sale
Not to advertisers. Not to ‘partners.’ Not ever — in any Amqey product.
A movement for ethical finance,
not just a wallet.
Apay is a UK-registered fintech subsidiary of Amqey, enabling transparent, inclusive payments across Africa, Europe, and the GCC — built to align modern finance with principles that actually empower people.
Leadership You Can Trust
Idris Mohammed
Founder & Chief Executive Officer (CEO)
MBA (UEA) | MSc Economics, Finance & Banking (portsmouth)
Idris is a finance professional and serial entrepreneur with over a decade of experience across banking, fintech, and corporate finance. As Founder and CEO of Amqey and Apay, he leads the company’s global strategy to build the world’s most trusted ethical fintech platform — connecting Africa, Europe, and the GCC through inclusive, transparent, and Shariah-compliant financial technology. Idris brings academic rigor and hands-on entrepreneurial experience to every stage of Apay’s journey, from market validation to strategic expansion.
📍 Based in London & Abuja
Ibrahim Yusuf Adamu
Chief Compliance Officer (CCO) & Chair, Shariah Board
CSAA, CIB, CISSA, MIFP – PhD (Candidate)
Ibrahim is a seasoned Islamic finance and compliance professional with more than 10 years of experience in conventional and Shariah banking. He leads Apay’s regulatory, risk, and Shariah-compliance frameworks, ensuring every operation aligns with AAOIFI and IFSB standards.His leadership guarantees Apay’s credibility as a transparent, ethical fintech — one that prioritizes both financial integrity and user trust.
📍 Based in Abuja, Nigeria
Dr. Safia Serai
Head of Administration & Culture
PhD, Language & Applied Linguistics
Dr. Safia oversees Apay’s administrative operations, people strategy, and cultural development. With extensive academic and leadership experience, she ensures that Apay’s workplace remains inclusive, efficient, and aligned with global best practices. Her focus on communication and people systems fosters a culture of empathy, collaboration, and performance — values that define Apay’s ethical DNA.
📍 Based in Algiers & Abuja
Bherly Novrandy
Chief Technology Advisor
Bherly is a global technology leader with deep expertise in software engineering, digital transformation, and fintech infrastructure. As Apay’s Chief Technology Advisor, he guides the architecture, scalability, and security of our digital ecosystem — ensuring Apay delivers fast, reliable, and seamless user experiences across platforms.