Coronation has the assets, the trust, and the distribution. Creative Dock has the execution engine. Together, we build the savings and investment platform that redefines wealth-building for Africans — starting in Lagos, scaling to the diaspora and beyond.
Nigeria is a country of extraordinary financial contradictions. 242 million people. Median age 19. One of the fastest-growing middle classes on the continent. And yet, the most common destination for Nigerian wealth is a UK bank account earning 4%.
The 2022–2024 "Japa" wave sent a generation of educated, high-earning Nigerians abroad. By 2026, they are settled, earning well — and sending money home in growing volumes. They are not sending it home for food. They are sending it home to invest. They see the Naira's weakness as a buying opportunity. They want 20%+ T-bill yields. They want infrastructure exposure. They want USD-denominated assets. But they do not trust the platforms that exist to deliver this.
At home, a domestic premier and HNWI segment is quietly migrating wealth out of real estate (illiquid) and into high-yield fixed income — but the existing digital platforms built for mass retail cannot serve them with the product depth, institutional quality, or trust they require.
Nigeria's investment & savings fintech market is crowded at the bottom. The high-value segment is wide open. The platform that enters where no fintech can follow — with institutional product depth, a trusted brand, and a diaspora corridor strategy — will define the category for a decade.
The strategy: own the high-value segment from day one, bundle downward over time. Here are the four pillars of the Project P opportunity.
Lead with USD/GBP/EUR-denominated investment flows before they reach competitors. Capture diaspora remittances and convert them into managed investments — inflation-hedged portfolios, Nigerian T-bills, USD assets. The diaspora investor has nowhere trusted to go. Coronation is that trusted name.
Annual diaspora investment flows. UK, US, France corridors most critical.
Mass-retail fintech platforms cannot serve this segment. They lack the product depth — private equity access, infrastructure bonds, wealth management, estate planning, multi-currency wallets. Coronation has all of this. We build the digital front-end that unlocks it for a new generation of high-net-worth clients.
High-value segment largely uncontested. No fintech has institutional product depth + digital UX.
Coronation already manages a ₦200B Infrastructure Fund. We democratise access — allowing retail and mass-affluent investors to own a fractional slice of infrastructure projects, PE deals, and tokenised assets that were previously inaccessible. This is a feature no startup can replicate.
Infrastructure Fund under management — institutional assets we can fractionalise for retail investors.
Bundle insurance and lending into investment products from day one. A user with savings, insurance, a loan, and an estate plan cannot churn — switching costs are structural. Coronation's full financial stack (bank, insurance, AM, trustees) is the moat. We build the product experience that makes it seamless.
Merchant bank + insurance + asset management + trustees — a moat no fintech can replicate.
We never start from scratch. We build ventures that leverage what a corporate partner already holds. Here is what makes Coronation the most compelling partner we could build this with.
Through your close Access Bank partnership, you have a warm pipeline to over 60 million customers. Integrating investment products into AccessMore provides instant scale that no startup could acquire without years and hundreds of millions in CAC spend.
Unlike any fintech competitor, Coronation owns the entire value chain: Merchant Bank (CBN-licensed), Asset Management (SEC-regulated), Insurance (life + general), and Trustees (estate planning). This is the product depth that creates unbreakable switching costs.
Coronation is the most credible macro-economic voice in Nigerian finance. You projected 4.22% GDP growth. You advise on high-level policy. You recently recapitalised at ₦50B. This is the brand trust that justifies custody of a diaspora investor's life savings.
Nigeria (Merchant Bank + SEC + Insurance + Trustees), Ghana (Insurance), Ireland (UCITS fund manager — gold standard for international investors), UK (investment advisory), and Kenya (M-Pesa/Safaricom strategic partnership). These rails took decades to build. They accelerate our expansion by years.
As a Merchant Bank license holder, Coronation can act as its own FX liquidity provider — offering diaspora investors better exchange rates than any fintech intermediary. While competitors buy FX from banks at a margin, you are the bank. This is a structural pricing advantage.
You are already deploying capital into the infrastructure projects that Nigerian investors want exposure to. We fractionalise that access — turning institutional-grade infrastructure debt into retail investment products with yields that no competitor can match.
Our proof is not theoretical. We have built and scaled savings platforms, wealth management products, mobile wallets with remittances, and multi-market fintech ventures — across MENA, Europe, and Southeast Asia.
This is Project P's closest global precedent. Saudi Arabia's Vision 2030 mandated increasing personal savings rates — the same structural pressure Nigeria faces. We partnered with Riyad Bank to design, build, and launch Grooshy: a fully integrated high-yield savings and wealth management platform guiding users from basic savings through to investments and robo-advisory.
The parallel to Project P: Riyad Bank had institutional product depth, a trusted brand, and a customer base — but no digital investment UX. We built it. The result is exactly the model we are proposing for Coronation: institutional-grade products wrapped in a consumer-grade experience, with robo-advisory, financial education, and goal-based savings — converting savers into long-term investors.
Coronation's diaspora corridor strategy maps directly onto what we built with Ooredoo. A trusted brand. An existing customer base. And a remittance opportunity that incumbents were ignoring. We built Walletii — a full neobank with remittances, payments, loyalty, and peer-to-peer features. Now the #1 remittance app in Oman and Qatar, expanding across 8 MENA markets and into Africa.
Building financial products at scale across multiple jurisdictions, regulatory environments, and cultures — this is the execution challenge that defeats most partners. We built BNPL, fully digital loans, and SME marketplace products for Home Credit, scaling from CEE into China, Vietnam, and the Philippines. The multi-market playbook we built here is directly applicable to Coronation's Nigeria → Ghana → Kenya → Diaspora expansion.
"Partnering with Creative Dock has allowed us to turn our long-term vision for digital financial services into reality. The cooperation began in 2022, and since then, Creative Dock has been a trusted partner responsible for commercial scaling across the GCC and North Africa."Mirko Giacco — Group CEO, Ooredoo Fintech
It is a disciplined venture-build loop that runs market intelligence, partnerships, and validation in parallel — so product decisions are dictated by real behaviour, not assumptions.
Establish trust-first savings behaviour. Design onboarding for the diaspora and domestic premier segment. Validate that the product creates a funding habit before we scale anything.
Instrument the payments, FX, KYC, and custody rails as products. Test reliability, latency, and trust conversion at real transaction volumes before investing in full build-out.
Validate CAC, LTV, AUM per user, and revenue-per-product. Design funnel KPIs with explicit early targets. Retain trust levers engineered into the core UX from day one.
Activate the Access Bank ecosystem. Build diaspora corridor partnerships (UK, US, France). Deploy three acquisition wedges: payroll-linked savings, diaspora referral, community distribution.
Treat each new market as a repeatable playbook instance — Nigeria, then Ghana (using existing insurance licence), then Kenya (using M-Pesa rails), then diaspora hubs (UK, US).
Our capabilities cover the entire journey — from the hardest early assumptions through to long-term venture operations. We match against your RFP scope of works across all phases.
We bring a senior, dedicated team with deep fintech expertise — from wealth management platforms and mobile wallets to regulatory compliance and multi-market scaling across Africa and MENA.
20+ years disrupting markets with profitable enterprises and new business models. Personally committed to Coronation Group at board level — your sponsor at the highest level of Creative Dock.
30 years driving complex transformations predominantly in Financial Services. Based in Dubai, leads our MENA & Africa business development. Former Partner and Managing Director at AlixPartners and Partner at Oliver Wyman — the calibre of leadership this engagement demands.
20+ years in IT leadership, digital transformation, and large-scale program delivery across telecom and enterprise IT. Serves as CIO at Creative Dock — shaping IT strategy and scaling agile delivery across the organisation. Your technical accountability partner.
20+ years in digital product development, data analytics, and business innovation. Joined Creative Dock early and helped scale the company globally. Currently based in Zurich. Led fintech product strategy across telecoms, finserv, and Web3.
15+ years in product leadership and digital transformation, specialising in fintech and web3 innovations. Previously Head of Digital Products at Barclays and Head of Product at Bitstamp. Your investment platform specialist who has done this before.
10+ years of product management. Directly relevant: built a digital wallet (MFS platform) for a telco client in Qatar, and a turnkey billing and financial management solution for SMEs. Your day-to-day product delivery lead.
Our preferred model for Project P is a long-term revenue-share partnership. We co-invest — cash and sweat equity — in exchange for a revenue share tied to the venture's commercial success. We win when you win. That is the alignment that drives the right outcomes.
Creative Dock co-invests without an equity stake in the venture. In exchange, we receive a long-term revenue share from all venture commercial operations — FX fees, product features, spreads, and other revenue streams — for as long as we operate the venture.
More than 60% of Creative Dock's entire remuneration package is variable and depends directly on the commercial success of the venture. We are not incentivised to build — we are incentivised to succeed.
The Annual Burn Rate (ABR) is minimised to cover necessary cash flow for venture operations — primarily direct salaries. There is no margin for Creative Dock from fixed fees. We only make meaningful returns when the venture generates revenue.
A commitment-free period to test the fit of this approach for Coronation Group. If Coronation wishes not to continue after the trial, standard rates from the original proposal apply. You try before you fully commit.
| Year | 1 Trial | 2 | 3 | 4 | 5 | 6 | 7 |
|---|---|---|---|---|---|---|---|
| Fixed payment (ABR) · BN NGN | 2.8 | 4.1 | 5.5 | 6.9 | 6.9 | 6.9 | 6.9 |
| Revenue share (VC) · % | 20% | 18% | 16% | 14% | 12% | 10% | 8% |
| Expected CD team size · FTEs | 5–10 | 15–20 | 25–30 | 30–40 | 30–40 | 30–40 | 30–40 |
| Budget terms: (I) 7-year expected cooperation. From Year 8, operations are transferred to Coronation Group and all fixed payment/rev share arrangements end. (II) Budget excludes VAT and out-of-pocket expenses. (III) 3rd party Marketing, SW & Platform and Legal costs excluded — invoiced at 5% markup, only after prior approval. Unused External/Other Costs returned to Coronation Group. (IV) Trial period: if Coronation wishes not to continue after the 12-month trial, standard project rates from the original proposal apply. | |||||||
These rates apply only if Coronation Group wishes not to continue our long-term cooperation within the trial period.
Research, validation, product vision, MVP spec, technical architecture, regulatory brief.
Build MVP, first customers, GTM execution, soft launch, pilot validation, early revenue.
Access Bank ecosystem activation, diaspora corridors (UK, US, France), 15–30 FTE team, growing AUM.
Repeat playbook via Ghana insurance licence + Kenya M-Pesa partnership. Continental platform.
Operating in Nigeria, Ghana, Kenya, and diaspora hubs. Capability transfer to Coronation. CD exits.
Together, we turn ideas into thriving businesses by harnessing the power of people and technology. The opportunity to define Nigeria's category-leading investment platform will not wait.
Martin Pejsa · martin.pejsa@creativedock.com · creativedock.com