About Termii

We make every transaction succeed.

Termii is the transaction reliability and intelligence layer for financial systems across emerging markets and beyond. We help banks, fintechs, payment processors, telecoms, e-commerce and enterprises ensure every OTP, fraud check, and transaction alert reach the people who need it.

Join the team See the product

3B+

Transactions processed

190+

Countries reached

99.9%

Uptime SLA

Our mission

Every day, billions of people interact with financial systems that depend on small but critical transaction signals: a one-time password, a fraud check, a transaction confirmation. When those signals fail, people can't access their money, authenticate their identity, or trust that a payment went through.

Termii exists to solve that. We built the intelligence layer that sits between financial platforms and the channels they communicate through, scoring, routing, and confirming every transaction signal before it fails silently.

The problem we solve

An OTP that never arrived. A fraud alert that fired too late. A transaction confirmation that got lost. These failures are preventable, and preventing them is what we do.

What makes us different

We don't just deliver messages. We predict delivery success before the signal fires, route intelligently in real time, and learn from every outcome, so the system gets smarter with every transaction.

Our story

The road so far .

From a clean SMS API in Lagos to the transaction intelligence layer for emerging markets.

Scroll to move through the years

20162017201820192020202120222023202420252026

2017

Founded in Lagos

Emmanuel Gbolade, Awe Ayomide and Idowu Atinuke launch Termii with a clean, developer-friendly SMS API, and win $2,000 at the Next-Economy Acceleration programme.

2019

OTP infrastructure for fintechs

Termii becomes the OTP delivery layer for a fast-growing set of payment apps and digital banks, and raises $45,000 in pre-seed from Microtraction and Future Hub.

2020

Joins Y Combinator · W20

Termii joins Y Combinator, launching intelligent multi-channel delivery and automatic failover as coverage expands across sub-Saharan Africa.

2023

Raises $5M seed round

A $5M seed led by Fintech Collective and Ventures Platform, with Launch Africa, Aidi Ventures, Future Africa, Kepple Africa and Now Ventures.

2025

Ayla: AI at the transaction layer

Termii builds Ayla, an AI model trained on billions of signals that scores every OTP, fraud check and alert for delivery before it fires. The platform passes 1B+ transactions.

How we work

The values that shape everything we build

Reliability is the product

We don't just build features. We build infrastructure that financial systems depend on. Every decision we make is evaluated against whether it makes the platform more reliable.

Intelligence over configuration

The best systems don't require constant tuning. We build intelligence into the platform so that routing, fraud detection, and delivery confidence improve automatically, without your engineers maintaining rules.

Built for emerging markets

We started in Africa because the gap was biggest there. Our models understand carrier quality, network conditions, and delivery behaviour across emerging markets in a way generic platforms never will.

Security without compromise

We operate at the fraud-detection layer of financial systems. Trust is the only currency that matters. ISO 27001, and SOC 2 are the floor, not the ceiling, of our security posture.

Customer obsession

Our customer success team is technical, responsive, and genuinely invested in your delivery metrics. We win when your OTPs arrive, your fraud checks fire correctly, and your customers complete transactions.

Continuous improvement

Our AI - Ayla gets sharper with every transaction we process. Our engineering practices reflect the same principle: every sprint, every deployment, every post-mortem makes us better than we were before.

Our board