Rank

Rank (formerly Moni, rebranded November 2025) is a community-powered money and wealth-building app headquartered in San Francisco with operations in Lagos, Nigeria, targeting individuals and SMEs across Africa. The platform combines traditional African communal savings models — known as ajo or esusu — with modern fintech infrastructure, offering four core product lines: Circles (rotating savings groups where members pool funds and each receives a payout in turn), Tribe (social communities for shared financial goals, bill splitting, and group savings), Savings (individual goal-based savings with Reserve, Goals, and Flex tiers), and Investing (expert-managed portfolios with dedicated wealth manager guidance). Rank's thesis is that community trust and social accountability can serve as a substitute for traditional credit scoring, unlocking access to capital for underserved populations without debt traps. The company is backed by investors including MAGIC, Olumide Soyombo, and Kola Aina, with its CEO and co-founder Femi Iromini regularly representing the company at international investor conferences including IVS2026 in Kyoto. Every on-time contribution through Rank is designed to build the user's formal credit history, bridging informal savings culture with the regulated financial system.