10 Apps Nigerians Can Make Money From In 2025

As economic pressures mount and the cost of living continues to rise, more Nigerians are turning to digital platforms to supplement their income. From freelance gigs and content creation to e-commerce and investment apps, technology has become a powerful tool for financial empowerment.

With internet penetration increasing and mobile usage on the rise, 2025 is shaping up to be a defining year for tech-savvy individuals looking to monetise their skills, time, and creativity.

DTRUTH INSIGHTS presents 10 mobile applications that are not only gaining popularity among Nigerian users but are also proving to be reliable income-generating platforms. Whether you are a student, entrepreneur, stay-at-home parent or a full-time employee seeking a side hustle, these apps offer practical opportunities to earn in naira and even foreign currencies. As with any online venture, consistency, smart usage, and a clear understanding of the platform’s terms are key to success.

1. Opay

Opay, one of Nigeria’s most downloaded fintech apps, has evolved beyond basic money transfers. In 2025, the platform offers a series of incentives, referral bonuses and cashback deals that can translate into real income. Users who refer friends to open and use OPay accounts receive direct rewards, with top referrers earning thousands of naira monthly.

Additionally, merchants who adopt OPay’s POS or QR payment systems benefit from low transaction fees and a loyal customer base. For smart users, especially those in retail or transportation, integrating OPay into daily business activities helps reduce overhead and increase earnings through seamless financial management.

2. Carry1st

Carry1st is an African mobile games publisher and digital commerce platform that has gained momentum among young Nigerians. In 2025, it offers both entertainment and monetisation opportunities through game tournaments, referrals, and influencer collaborations.

Gamers can now earn tokens and cash prizes by participating in regional gaming challenges hosted within the app. Influencers and YouTubers who promote the app also stand a chance to get paid per sign-up or engagement. For those with a strong social media presence, Carry1st represents a fresh, youth-driven source of income.

3. Taptap Send

Taptap Send, originally popular among diaspora Nigerians for sending money home, has introduced a new revenue model in 2025.

Nigerians who promote the app to friends and family abroad can earn commissions on successful transactions.
Users who join the affiliate programme are given unique referral codes. Each international transaction initiated using the code earns the promoter a percentage-based bonus. With millions of Nigerians living abroad, this app has become a smart avenue for passive income generation, especially for tech-savvy marketers.

4. Binance

Despite regulatory uncertainties, Binance remains a top earner for Nigerians dealing in cryptocurrency. Through its peer-to-peer (P2P) platform, Nigerians in 2025 are trading digital assets and earning profit margins with minimal entry capital.

Beyond trading, Binance’s Learn and Earn programme rewards users who complete short crypto courses with free tokens. The app also pays referral commissions and enables staking of digital assets. Caution is required, but for those who understand the risks and trends, Binance provides lucrative opportunities.

5. TikTok

TikTok continues to redefine content monetisation for Nigerian creators. In 2025, beyond the Creator Fund, TikTok rewards influencers through live gifts, brand collaborations and affiliate links.

Nigerians with a decent following can earn in dollars by going live, joining viral challenges or creating niche content that attracts engagement. The TikTok Creator Marketplace now connects local creators with global brands, giving young Nigerians a serious shot at digital income without leaving their bedrooms.

6. Fiverr

Fiverr remains a stronghold for Nigerian freelancers offering digital services. From graphic design and copywriting to voiceovers and data entry, the platform connects skilled Nigerians to a global clientele.

In 2025, Fiverr has introduced more localised support, including fintech partnerships for easier withdrawals and customer support. With dedication and competitive pricing, many Nigerians are turning Fiverr into a full-time job, especially as remote work culture continues to thrive post-pandemic.

7. Branch

Branch, a mobile lending and savings app, has introduced a referral-based income model and a high-yield savings platform in 2025. Users can earn up to 15% interest per annum on savings, and referral bonuses are credited directly into their accounts.

For financially disciplined individuals, parking idle funds in the Branch wallet provides passive income. It’s also an alternative for informal savings groups seeking a structured, interest-generating solution in the digital space.

8. JumiaPay

JumiaPay, the payment arm of Jumia, has added a rewards system that benefits users who pay bills, subscribe to services, and shop through the app. Nigerians can now earn points that are convertible to shopping discounts or cashback.

More importantly, JumiaPay offers affiliate and ambassador programmes, allowing tech influencers and bloggers to earn per referral or sales conversion. It is one of the most practical apps for those who already shop online or promote e-commerce brands.

9. Alat by Wema

Alat by Wema has transformed into more than a digital bank. In 2025, it offers features like goal-based savings, interest-bearing accounts, and referral earnings. Users who refer others to the platform earn bonuses, while those who save consistently benefit from high-interest rates.

Moreover, Alat’s virtual dollar card has made it easier for Nigerians to receive international payments, especially freelancers and remote workers. This has solidified its position as a must-have app for anyone trying to earn, save, and spend smartly in 2025.

10. Shopee Nigeria (Beta)

Shopee, the Southeast Asian e-commerce giant, has quietly entered the Nigerian market in 2025 with a beta version targeting local sellers. Early adopters are earning by listing products, dropshipping, and taking advantage of low commission charges.

Shopee also provides sellers with access to free adverts and shipping subsidies during the beta phase. For small businesses and stay-at-home entrepreneurs, the platform offers a low-risk entry into Nigeria’s booming online retail economy.