SEC-registered Robo-Adviser and Asset Manager
Capital that climbs.
Disciplined asset management, AI-driven advice and ethical finance, in one regulated home built for African investors and the diaspora.
One firm. Four ways to work with us.
Whether you are making your first investment or placing an institutional mandate, the same discipline and governance sit underneath.
For individual investors
M20 Robo
Risk-profiled portfolios, plain buy, hold or sell calls and automatic rebalancing. Go from sign-up to invested in under five minutes.
Join the waitlistFor HNIs and institutions
Asset Management
Discretionary mandates across equities, fixed income and alternatives, with fiduciary reporting you can take to your board.
Explore asset managementFor individuals and corporates
Financial Advisory
Advice on wealth planning, treasury and capital decisions, from people who sit on the fiduciary side of the table.
Explore financial advisoryFor values-driven investors
Halal Investing
Sharia-screened equities, sukuk and profit-sharing structures, held to the same standard as every other M20 portfolio.
Explore halal investing
Built for Nigerian investors
Investing that fits around your life.
Open an account from your phone, see exactly what you own and what it cost, and get plain answers about your money. When you would rather talk it through, our team is a message away.
Why M20 exists
For decades, wealth creation in Africa was reserved for a privileged few. We are changing who gets to invest.
Investment opportunities have been fragmented, hard to understand and gated behind private networks. M20 Capital is building regulated, technology-enabled infrastructure so individuals and institutions can invest with confidence, clarity and purpose.
Read our story242m
Nigerians, median age around 19
<1%
of them invest today
~₦150tn
sitting idle in low-yield deposits
~₦10tn
held in collective investment schemes, tripled in two years
Sources: SEC Nigeria, Fitch Ratings, UN. Figures indicative.
M20 Robo
Professional portfolio management, in your pocket.
Algorithm-driven, tempered by human judgement, and regulated from day one.
- 01Tell us about you
Profile your risk appetite, time horizon and investment objectives in minutes. We open and link your CSCS account for you.
- 02Get a portfolio matched to your risk profile
Diversified portfolios of Nigerian stocks and fixed income, conventional or halal, with automatic rebalancing.
- 03Understand every move
Plain buy, hold or sell calls, AI market analysis and statements you can actually read.
Halal investing
Ethical by design, not as an afterthought.
Transparent, profit-sharing structures overseen by a qualified Sharia advisory committee, built into the same platform as the rest of your portfolio.
A profit-sharing alternative to interest-bearing deposits.
Federal and corporate sukuk allocations.
Screened halal exposure to companies listed on the NGX.
Profit-share investment partnerships.
Governance
Integrity and governance at the centre.
Your interests come first in every decision. At M20, compliance is how the platform is built.
Regulatory requirements are designed into every product from day one.
Automated BVN and NIN checks through NIBSS.
With continuous suspicious-activity monitoring.
Every action on the platform is recorded immutably.
Experienced leadership, accountable to you.
Meet the full team
Zainab Sanusi Monguno
Founder and Managing Director
Muhammad Mudathir Sani Hamid
Managing Director
Zion Ekundayo Adeoye
Chief Legal Officer
Let's build the future of African wealth, together.
Talk to us about an asset management mandate, financial advisory or a partnership.