A spread-driven fintech for African education

School fees, paid the right way.

Ascentremit is the rails for fee collection, parent lending, and agent-led distribution across West African schools. Free for schools to onboard. We earn on the spread, never on the back of parents.

NDPR-compliant Real-time settlement AI loan scoring
Mother walking child to school

Live Term · Q1 2026

₦4.2B
GMV processed
1,840
Schools live
1.5%
Avg take rate
For schools

Free onboarding, real cash flow.

Roll out digital fee collection in 24 hours. We bill our transaction fees only on collections — never a SaaS subscription.

Onboard your school
For parents

Pay, save, or finance fees.

Pay directly via Paystack/Stripe, save into a wallet that earns float, or apply for a school-fee loan with a transparent monthly schedule.

Open a parent account
For agents (DSA)

Earn platform commission on every transaction.

Onboard schools and parents with your referral code. Earn platform commission generated by your network — paid out monthly with flexible options.

Become a DSA
Where the money actually flows

A business model in basis points, not in vanity revenues.

150 bps
Transaction fee

Charged on every collection (card, transfer, wallet).

25%
DSA commission

Of platform revenue — paid only on activated networks.

100 bps
Wallet float spread

Net interest earned on parent savings deposits.

200 bps
Late payment fee

Applied per overdue installment, capped.

AI loan scoring

Approvals in seconds, defaults priced in basis points.

Our risk engine scores every applicant on income, dependents, employment type, and platform payment history. Each loan returns a risk band (A–E), a recommended interest rate, and a reasoning trace your underwriters can audit.

  • Auto-approve A/B applicants under thresholds
  • Manual queue for C with reasons explainer
  • Auto-decline D/E — no underwriter time wasted

Sample applicant

Mrs. Adebayo · ₦450,000 loan

Approved · A
Risk score
842 / 1000
Suggested APR
2.5% / mo
Tenor
6 months
Monthly
₦81,200
Why approved: Salaried civil servant · 2 dependents · 8 successful prior payments on platform · DTI 18%.
Joyful African mother
For Parents

Three ways to clear the term bill.

01
Pay in full, securely

Card, bank transfer, USSD via Paystack. International parents pay in USD via Stripe.

02
Save into the Ascentremit wallet

Earn float on idle balances at 1.0% APR spread. Auto-debit on the term due date.

03
Apply for a school-fee loan

3–12 month tenor, AI-scored, transparent schedule. Late fee 2% per overdue installment.

DSA programme

Built distribution? Get paid for every fee processed.

We pay platform commission on schools and parents you onboard. No caps. Paid monthly with flexible options via Paystack transfer.

Avg DSA earnings / mo
₦185k
Top decile / mo
₦920k
Activation rate
62%
Payout cadence
Monthly