CashMatrix

CashMatrix is a fintech and financial technology company in Maryland, Lagos that focuses on making everyday banking simpler, faster, and more secure for individuals and businesses. Operating from Ikeja GRA in Lagos, CashMatrix provides a fully digital banking experience through its mobile app and WhatsApp banking channels, helping customers manage money, send and receive funds, and pay bills without visiting a physical bank branch.

As the digital product of Asset Matrix Microfinance Bank Limited, CashMatrix combines the agility of a technology startup with the regulatory backing of a licensed Nigerian financial institution. This means customers in Lagos State and across Nigeria can enjoy flexible digital banking solutions while benefiting from the security and safeguards of a regulated microfinance bank.

CashMatrix serves a wide range of users: from students and salary earners who want smart savings and quick loans, to entrepreneurs and small businesses that need reliable transfers, bill payments, and airtime or data topups on the go. The platform is designed for people who want to open and manage accounts quickly, keep track of their transactions, and access essential financial services directly from their smartphones.

Services & Specialties

At its core, CashMatrix provides a digital banking app that brings multiple financial services together in one simple interface. Customers can open a zero balance account in a few minutes using BVN, an existing bank account number, or a mobile phone number, then start transacting immediately. The app supports free instant transfers to bank accounts, making it easy to send money to family, friends, vendors, or employees at any time of day.

Beyond basic transfers, CashMatrix focuses strongly on payments and everyday financial transactions. Users can perform bills payment, including utilities such as electricity, as well as airtime and data topup, all within the app. Built-in tools like transaction history and mini statement generation make it easier to monitor spending, verify payments, and maintain simple records without extra paperwork. Features such as PIN and password reset are integrated to keep access management straightforward and user controlled.

Where CashMatrix stands out in the Lagos fintech space is its combination of smart savings, instant loan, and HMO+ lifestyle banking within one platform. The smart savings feature helps customers track their spending, budget upcoming expenses, and save small amounts consistently, directly from their phones. The instant loan service is designed for quick access to funds with minimal friction, helping users manage short-term cash flow gaps. With HMO+, CashMatrix extends digital banking into the health and lifestyle space, allowing users to enjoy healthcare benefits by saving specific amounts, which aligns financial planning with personal wellbeing.

Why Choose CashMatrix

• Licensed and backed by a microfinance bank: CashMatrix is the digital product of Asset Matrix Microfinance Bank Limited, which is licensed by the Central Bank of Nigeria, and deposits are insured by the Nigeria Deposit Insurance Corporation, giving users additional confidence in the platform.
• Fast digital onboarding and account opening: Customers can open and activate a CashMatrix account in minutes using BVN, a bank account number, or a phone number, ideal for people who want quick access to modern banking tools.
• Free instant transfers and everyday payments: The app offers free transfer, bills payment, and airtime/data topup so users in Maryland, Ikeja, and beyond can handle most routine financial tasks in one place.
• Smart savings and hassle free instant loans: With built-in smart savings features and instant loan options, CashMatrix supports both saving and borrowing needs, helping users better navigate their personal cash flow.
• WhatsApp banking for extra convenience: For customers who prefer chat-based interfaces, WhatsApp banking provides safe and encrypted access to services such as balance enquiries, airtime purchase, bills payment, instant transfers, and PIN reset.
• Secure and user focused digital experience: CashMatrix emphasizes a simple and seamless banking app experience, supported by transaction history, mini statements, and quick support channels to help customers resolve issues and stay in control of their accounts.

Location & Accessibility

CashMatrix operates from 33A1 Remi Fani Kayode Street, Off Isaac John Street, Ikeja GRA, Lagos, a prominent and easily recognisable part of Maryland and Ikeja in Lagos State. The Ikeja GRA area is known for its mix of residential, business, and hospitality establishments, which makes it accessible for professionals, residents, and visitors within Lagos. While the services of CashMatrix are primarily digital and available anywhere via the mobile app and website, its presence in this central Lagos corridor positions it close to key commercial activity and transport links across the city.

Get in Touch

To explore what the CashMatrix digital banking app can do for you, visit http://cashmatrix.ng/ to learn more, download the app on your preferred platform, or reach out through their listed contact channels. Whether you are in Maryland, Ikeja GRA, or elsewhere in Nigeria, CashMatrix provides a convenient way to handle transfers, savings, loans, and everyday payments from your mobile device.