# Hizo

> Connecting Africa with every transfer

Hizo is a fintech company that lets Nigerians spend and send Naira across African countries. It converts currency in real time for payments, transfers, and card spending.

Hizo is a financial technology company that enables Nigerians to spend and send their local currency across multiple African countries. It converts Naira into local currencies in real time, letting users pay merchants, transfer funds to mobile wallets or bank accounts, and cover travel costs without carrying cash or making manual currency exchanges. The company positions itself around simplifying cross-border payments for everyday users rather than institutions.

The platform addresses the friction typically involved in intra-African payments, where currency conversion and limited transfer channels slow down transactions. Users fund a wallet in their local currency, select a destination country and payout channel, and the recipient receives funds directly in their own local currency, removing the need for a middleman currency. The service is delivered through a mobile application supported by live exchange rates and continuous customer support.

Its core offering centers on cross-border transfers and everyday spending, complemented by the Hizo Global Card, a virtual card that can be funded in local currency for online payments on international platforms. The service is used by travelers, students, freelancers, remote workers, business owners, and families sending money across the region, with support extending to a growing number of African countries.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2023-06-01
- Profile: https://thegrid.id/profiles/hizo

## Products

- [Hizo](https://thegrid.id/profiles/hizo): Hizo is a mobile application for Naira-denominated cross-border payments and remittances across multiple African countries. Users fund a wallet via a virtual account and send money to recipients through mobile money or bank payouts, with the recipient receiving the equivalent in local currency and live exchange-rate conversion applied automatically. The app also issues a virtual dollar-equivalent prepaid card, funded directly in Naira, that account holders use for online and in-store payments on global platforms. Identity verification is required before wallet funding and transfers are enabled, and the service is supported by round-the-clock customer support. (Peer to Peer & Remittance, Live, Main Product)

## Links

- [Main](https://hizo.africa)
- [Blog](https://blog.hizo.africa)
- [Terms of Service](https://hizo.africa/terms-conditions)
- [Privacy policy](https://hizo.africa/privacy-policy)
- [Twitter / X](https://x.com/HizoHq)
- [Instagram](https://instagram.com/hizo_hq)
- [Facebook](https://www.facebook.com/hizohq)

## Legal

This data is provided under two licensing models.

Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP