About M20 Capital
Building Africa's next generation of investing infrastructure.
M20 Capital Ltd is a Nigerian investment company bringing institutional-grade portfolio management, AI-driven advice and ethical finance into one regulated, digital-first home.
Our story
Wealth creation should not be a privilege.
For decades, wealth creation has remained out of reach for millions of Africans. Investment opportunities have been fragmented, difficult to understand and reserved for a privileged few with access to advisers, exclusive products or private networks.
M20 Capital was created to bridge that gap. We are building a regulated, technology-enabled platform that helps individuals and institutions invest with confidence, clarity and purpose, whether they are in Lagos, Kano or the diaspora.
Our mark, Irtiqa, takes its name from the Arabic word for rise. It is a promise that capital under our care does not sit still. It climbs.
Our vision
To be the reference point for regulated, intelligent and ethical wealth management in Africa.
Our mission
A regulated, technology-led investment company combining disciplined asset management, AI-driven advisory and ethical finance, with integrity and governance at the centre.
What we stand for
Five commitments that shape how we invest, build and serve.
Fiduciary stewardship in every decision, with clients' interests first.
Bank-grade security and full SEC compliance underpin everything.
Long-term relationships, not short-term wins.
Algorithm-driven products tempered by human judgement.
Wealth building for all, including the long underserved.
Where we are going
Four phases from licence to pan-African scale.
- Phase 1Completed
Board fully constituted, operating capital raised, SEC registration as Robo-Adviser and Asset Manager, Sharia advisory committee appointed.
- Phase 2Now ยท 2026 H2
M20 Robo goes live, the halal product suite launches and we take on our first institutional mandates.
- Phase 32027
A plain-language AI assistant, tax certificates and a wider halal suite.
- Phase 42028
Asset management at scale, expansion across Africa, and the AI auto-trading demo.
- Registered name
- M20 Capital Ltd
- Registration
- RC 8568978
- Incorporated
- 20 June 2025
- Head office
- Ikoyi, Lagos