CashXpress Nigeria Limited

Gabatarwa da Tarihin Kamfanin CashXpress a Nijeriya

CashXpress Nigeria Limited, wanda aka fi sani da CashXpress, wani babban kamfani ne na ba da lamuni ta hanyar dijital a Nijeriya. An kafa shi ne a cikin shekarar 2023 kuma yana da hedkwata a Legas, Nijeriya. An shirya shi don samar da damar samun kuɗi cikin gaggawa ga mutane ta hanyar amfani da manhajar wayar hannu da kuma shafin yanar gizo. Ma'anar mahimmancin CashXpress ita ce bayar da lamuni nan take (daga ₦3,000 zuwa ₦300,000) ba tare da buƙatar jingina ba, tare da tsarin kudade bayyananne. Suna amfani da bayanan wayar salula don tantance cancantar lamuni, wanda ke taimaka musu wajen kaiwa ga mutanen da ba su da damar samun lamuni daga bankuna na gargajiya.

Manufar CashXpress ita ce cike gibin kuɗi ga daidaikun mutane ta hanyar ba da lamuni mai sauri da kuma marar nuna bambanci. Suna aiki a matsayin mai ba da ƙananan lamuni na dijital, wanda ke mayar da hankali kan masu amfani da wayoyin salula a Nijeriya waɗanda ke buƙatar kuɗi don biyan buƙatun gaggawa, biyan albashi kafin lokaci, ko kuma tallafawa salon rayuwa. Kamfanin yana samun kuɗinsa ne daga ruwa da sauran kudade da ake caji akan lamunin ɗan gajeren lokaci. Kodayake ba a bayyana sunan Babban Jami’in Gudanarwa (CEO) a bainar jama’a ba, kamfanin yana da manyan jami’ai a fannin sarrafa haɗarin lamuni, fasaha, da ayyukan yau da kullum.

Kayayyakin Lamuni da Sharuddan CashXpress

CashXpress yana ba da nau’o’in lamuni guda biyu na musamman don biyan buƙatun abokan cinikinsu:

• Lamuni na Sirri Nan Take: Wannan shine babban kayan aikin su, inda ake bayar da lamuni tsakanin ₦3,000 zuwa ₦300,000 ta hanyar manhajar wayar hannu ko shafin yanar gizo. Wannan lamuni an tsara shi ne don biyan buƙatun kuɗi na gaggawa.
• Lamuni na Ƙara ko na Masu Aminci: Ga abokan ciniki da suka biya lamuninsu a kan lokaci kuma sau da yawa, CashXpress yana ba da damar samun ƙarin lamuni ko kuma lamuni mafi girma. Tsarin kamfanin ne ke tantance adadin da za a iya ba da lamuni ga waɗannan abokan cinikin masu aminci.

Game da adadin lamuni da sharuddansa, CashXpress yana bayar da lamuni mafi ƙaranci na ₦3,000 da kuma mafi girma na ₦300,000. Wannan yana sanya su a tsaka-tsakin matakin lamuni idan aka kwatanta da sauran masu ba da lamuni na dijital a Nijeriya. Lokacin biyan lamuni yana farawa daga kwanaki 7 zuwa kwanaki 30. Akwai damar tsawaita lokacin biya idan har mai lamunin ya biya ruwan lamunin kawai kafin ranar cika lokacin biya. An yarda da biyan lamuni kafin lokaci ba tare da an caje kuɗin hukunci ba.

Kudade da ruwan lamuni na CashXpress sune kamar haka:

• Ruwan Lamuni na Wata-wata: Yana tsakanin kashi 2.0% zuwa 4.0% a kowanne wata.
• Ruwan Lamuni na Shekara (APR): Kimanin kashi 26.8% zuwa 48.0% ne a duk shekara, idan aka yi lissafi mai sauƙi.
• Kudin Gudanarwa/Farawa: Babu wani kudi da aka bayyana a fili; ana saita shi ne a cikin ruwan lamunin.
• Kudin Biyan Lamuni a Makara: Kashi 3% ne a kowanne rana akan babban adadin lamunin da aka yi watsi da shi.
• Kudin Tsawaita Lamuni: Ruwan lamunin kawai ake biya don kowane lokacin tsawaita.

Wani abin lura kuma shi ne, CashXpress baya buƙatar jingina ko mai ba da garantin lamuni don ba da lamuni. Shawarar ba da lamuni tana dogara ne akan bayanan wayar salula da kuma tabbatar da BVN (Bank Verification Number) na mai nema, wanda ke sauƙaƙa tsarin samun lamuni ga yawancin 'yan Nijeriya.

Tsarin Aiwatar da Lamuni da Manhajar Wayar CashXpress

Aiwatar da lamuni a CashXpress abu ne mai sauƙi kuma ana iya yin sa gaba ɗaya ta hanyar dijital. Akwai hanyoyi biyu na aikace-aikace:

• Manhajar Wayar Hannu (Mobile App): Akwai manhajar CashXpress a duka dandamali na iOS (Apple App Store) da Android (Google Play Store). Manhajar iOS tana buƙatar iOS 11.0 ko sama, kuma girman ta kusan 47 MB ne. Manhajar Android ta sami sama da saukarwa 100,000.
• Shafin Yanar Gizo: Haka kuma ana iya amfani da shafin yanar gizo na CashXpress (cashx.ng) don shigar da lamuni a kan layi.

Babu ofisoshin jiki na CashXpress, wanda ke nuna cewa gaba ɗaya suna aiki ne ta hanyar dijital.

Tsarin rajista da tantancewa (KYC) yana buƙatar BVN, lambar waya (na MTN, Airtel, Glo, ko 9mobile), da kuma ɗan ƙaramin bayanan sirri. Manhajar tana neman izinin samun bayanan na'urar (irin wayar, tarihin saƙonni) don ƙirƙirar maki na lamuni. Tsarin tantance cancantar lamuni na CashXpress yana amfani da algorithm na musamman wanda ke haɗa bayanan wayar, jerin lambobin waya, tarihin SMS/ma’amala, da kuma tarihin biyan lamuni don ba da maki na lamuni ga kowane mai nema. Wannan yana taimaka musu wajen yanke shawara cikin sauri da kuma rage haɗari.

Bayan amincewa, ana biyan lamuni ta hanyar canja wurin banki ta amfani da Paystack, wanda ke tallafawa katin cire kudi, canja wuri, da USSD. Haka kuma ana tallafawa zaɓuɓɓukan biyan kuɗi ta wayar hannu da kuma na kuɗi kai tsaye. Tsarin karɓar lamuni yana farawa ne da tunatarwa ta atomatik ta hanyar SMS, imel, da sanarwar cikin manhaja. Idan har aka yi biyan lamuni a makara, ana kai rahoton biyan makarar ga First Central da CRC Credit Bureaus bayan wani ɗan lokaci na alheri, wanda ke shafar tarihin lamuni na mai nema. Ana karɓar basussuka ta hanyar cire kudi kai tsaye, canja wurin banki daga abokin ciniki, ko kuma ta hanyar wakilan karɓar bashi na ɓangare na uku.

Game da manhajar wayar hannu, manhajar iOS tana da kimanin taurari 4.2 kuma tana da fasalulluka kamar bayar da farashin lamuni nan take, allo mai nuna bayanin biyan lamuni, da kuma sanarwar turawa. Manhajar Android kuma tana da kimanin taurari 4.0 kuma tana da sama da saukarwa 100,000. Fasalullukan ta sun haɗa da rajista mai sauri, tabbatar da BVN, da kuma bin diddigin lamuni. Gabaɗaya, masu amfani suna yaba saurin aikinta da kuma sauƙin amfani da ita.

Matsayin Dokokin CashXpress da Matsayinta a Kasuwa

A matsayin kamfanin ba da lamuni na dijital a Nijeriya, CashXpress yana ƙoƙarin bin ƙa'idodin dokoki da ka'idojin da suka shafi masana'antar kuɗi. Kodayake ba a tabbatar da lasisin su a matsayin cibiyar kuɗi banda banki (NBFI) a ƙarƙashin Babban Bankin Nijeriya (CBN) ba, suna da'awar yin hakan. Suna kai rahoton abokan ciniki da suka kasa biya ga Ofisoshin Bayanai na Lamuni kamar yadda CBN ya umarta. Suna kuma bin ƙa'idodin kariya ta bayanai na Nijeriya (NDPR) ta hanyar amfani da tabbatar da BVN da kuma bayar da sanarwar sirri ga masu amfani.

Ya zuwa watan Satumba na 2025, babu wani bayani a bainar jama'a game da wani hukunci ko takunkumi da aka sanya wa CashXpress. Suna da manufofin bayar da bayani a fili game da ruwan lamuni da kudade, da kuma tsarin karɓar korafe-korafe da kuma kare bayanai tare da rufaffen sirri, kuma suna da'awar ba sa sayar da bayanan masu amfani ga wasu ɓangarori.

Kwatanta da Masu Fafatawa

CashXpress yana cikin ɗaruruwan kamfanonin ba da lamuni na dijital a Nijeriya. Suna da matsayi a tsakanin masu ba da lamuni masu girman lamuni na matsakaici zuwa girma (har zuwa ₦300,000). Abin da ya bambanta su da sauran shine amfani da bayanan na'urar wayar hannu wajen tantance lamuni da kuma ƙara adadin lamuni ga masu amfani masu aminci. Ga kwatance da wasu manyan masu fafatawa:

• Branch, Carbon: Suna bayar da lamuni tsakanin ₦2,000 zuwa ₦100,000, tare da ruwan lamuni na kashi 4% zuwa 15% a kowane wata. Suna buƙatar bayanan banki.
• QuickCheck, PAL: Suna bayar da lamuni tsakanin ₦1,000 zuwa ₦50,000, tare da ruwan lamuni na kashi 5% zuwa 20% a kowane wata. Suna da gajeren lokacin biya (kwanaki 7-14).
• KiaKia, FairMoney: Suna bayar da lamuni tsakanin ₦5,000 zuwa ₦500,000, tare da ruwan lamuni na kashi 3% zuwa 8% a kowane wata. Suna bayar da sharudda masu sassauci.

Daga wannan kwatancen, CashXpress yana ba da lamuni mai girma fiye da yawancin masu fafatawa na micro-lenders, kuma ruwan lamuninsu yana da alaƙa da kasuwa.

Shawara Ga Masu Neman Lamuni da Kwarewar Abokan Ciniki

Ga duk wanda ke tunanin neman lamuni daga CashXpress ko wani kamfanin ba da lamuni na dijital, akwai wasu shawarwari masu amfani da ya kamata a bi:

• Fahimci Sharuddan:
• Biyan Lamuni Akan Lokaci:
• Kwatanta Zaɓuɓɓuka:
• Yi Amfani da Lamuni don Dalilai Masu Mahimmanci:

Kwarewar Abokan Ciniki da Ra'ayoyinsu

Bisa ga ra'ayoyin masu amfani, CashXpress ya sami kyakkyawan kima a kan dandamali na manhajoji:

• Google Play Store: Yana da kimanin taurari 4.0, inda masu amfani ke yaba saurin sarrafawa da kuma bayyana gaskiya.
• Apple App Store: Yana da kimanin taurari 4.2, inda masu amfani ke yaba sauƙin amfani da manhajar da kuma saurin biyan kuɗi.

Duk da wannan kyakkyawar kima, akwai kuma wasu korafe-korafe da aka saba samu. Wasu masu amfani sun ruwaito cewa manhajar tana iya samun matsala ko kuma ta daina aiki a kan tsoffin nau'ikan tsarin aiki na wayoyin salula. Haka kuma, adadin kuɗin biyan lamuni a makara na kashi 3% a kowace rana yana iya hauhawa da sauri idan ba a biya lamunin a kan lokaci ba, wanda hakan zai iya zama babban nauyi ga masu lamuni.

Game da sabis na abokan ciniki, CashXpress yana ba da tallafi ta hanyar imel ([email protected]) da kuma lambar waya (+234 916 000 1951). Lokutan amsa suna tsakanin awanni 24 zuwa 48 a matsakaita. Abokan ciniki sun ruwaito cewa CashXpress ya taimaka musu wajen samun kuɗin gaggawa da kuma sarrafa kuɗin kasuwancinsu cikin sauri.