Pay 是一家尼日利亚的支付和借贷应用，已向纽约证券交易所提交上市申请，Semafor 的 Yinka Adegoke 报道。此前的报道将其可能估值约为 40亿美元。
Pay, a Nigerian payments and lending app, has filed to list on the New York Stock Exchange, Yinka Adegoke reported for Semafor. Earlier reports put its likely valuation at about $4bn.
bne IntelliNews 报道，该公司于 10 月 9 日提交文件。其交易代码为 OPAY，Semafor 称投资者预计将在十一月中旬确定发行价。OPay 尚未设定价格区间。
The company filed on 9 October, bne IntelliNews reported. It will trade under the ticker OPAY, and investors expect it to price in mid-November, Semafor said. OPay has not set a price range.
借贷业务已超越支付业务。该文件显示，OPay 2026 年上半年收入增长 137%至 4.67亿美元。净利润超过四倍，达到 9100万美元。
Lending overtakes payments OPay’s revenue rose 137% to $467mn in the first half of 2026, its filing shows. Net income more than quadrupled to $91mn.
借贷已成为其最大的收入来源，超过支付业务。近九成收入来自尼日利亚。
Lending is now its biggest source of income, ahead of payments. Nearly nine-tenths of revenue comes from Nigeria.
OPay 成立于 2018 年，受中国富豪周亚辉控制。其曾尝试打造超级应用，提供摩托车出租和外卖服务，后转向金融服务。2018 至 2021 年间，它从以软银为首的投资者筹集了 5.7亿美元。
OPay launched in 2018 and is controlled by Chinese billionaire Zhou Yahui. It once chased super-app plans, with motorbike taxis and food delivery, before narrowing to financial services. It raised $570mn from investors led by SoftBank between 2018 and 2021.
标准银行非洲部门的一家银行已同意投资最高 2亿美元，上市后持股上限为 4.99%。其非洲负责人 Lungisa Fuzile 预计将加入 OPay 董事会。
A bank on board Standard Bank’s Africa arm has agreed to invest up to $200mn, capped at a 4.99% stake after the listing. Its Africa head, Lungisa Fuzile, is expected to join OPay’s board.
OPay 还计划在拉各斯进行第二次上市。其文件警示，拉各斯的股份可能无法与纽约交易的股份互换。
OPay also plans a second listing in Lagos. Its filing warns that shares there may not be swappable for those traded in New York.
这将是首家以尼日利亚客户为主的金融科技公司在美国上市。此前在纽约的非洲公司上市案例，如 Jumia，表现参差不齐。
It would be the first fintech with mostly Nigerian customers to list in the US. Earlier African listings in New York, such as Jumia, have had mixed results.