Comparison

Kiakia P2P vs Moni

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Kiakia P2P

Invest in loans and businesses to earn high returns, or access fast, competitive loans. This platform connects investors with borrowers, facilitating funding with minimal bureaucracy. Earn interest or share profits on your capital.

Highlights
  • Invest in loans and businesses
  • Earn 12%-40% returns
  • Access personal and business loans
  • Automated interest and profit crediting
  • Secure online platform
  • No processing fees or hidden charges
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Earn between 12% -40% (Quarterly, Bi-annual and Per annum) by investing in loans and businesses. KiaKia is the leading and best Peer-to-Peer lending investment platform in Nigeria (Inclusive Finance Conference and Awards, 2019) KiaKia as a licensed lender originates, books, structures, facilitates and funds secured personal and business loans of between N10,000 and N100,000,000 of tenures ranging from 30 days to 24 months via its online platform. To achieve this, we essentially do what the banks do with less bureaucracy and administrative encumbrances. By lending out people’s funds. We believe that your money should work for you instead of someone else. In 2017, we launched the KiaKia P2P on this principle. We created a peer-to-peer product to aggregate funds of those who have money to invest and lent it out to those who want to borrow it. We may not offer the lounge service and marble foyer of your bank, but we exist for people who want rewarding investments. Or a competitive and speedy loan that respects the time value of money for entrepreneurs. You fund, we lend, you earn Rather than leave funds stashed and idle, you can provide it as capital which kiakia uses to fund individuals and businesses to earn interests or share profits (if that is what suits your faith). With as little as N50,000 and as high as N2,500,000, you can earn as much as 40% interest depending the tenure election. You can also share profits from the earnings of businesses in selected industries. Simple, Secure and Better earnings With over N4,500,000,000 successfully lent out through KiaKia P2P with capital provided by individuals across the world, you can be one of those who put their money to good use in order to grow without any risk of losing it as a result of the security that backs all transactions. The App is safe and secure. Users do not need to make withdrawal of interest or profit requests as interests or profits and capital are automatically credited to accounts on file. KiaKia P2P is not a savings nor payment processing service. Capital provided are lent out for individuals and businesses carefully profiled by KiaKia for interest and profit sharing. We have implemented the best grade of internet security….so, no fears. There are no processing fees nor hidden charges. What you see is what you get with us.

About

Moni

Features
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Discover Moni Mobile Teller, the comprehensive financial app designed for effortless saving! As an agent, enjoy direct access to an exclusive savings account. Say goodbye to conventional limitations and embrace the freedom to save for yourself and your customers with Moni. Download today and seize control of your financial future. What does saving on Moni look like? Create a savings plan on Moni as an Agent and earn commisions. Save as low as N500 daily, weekly, bi-weekly, or monthly. Activate your Moni Wallet to fund your savings plan. Achieve multiple savings goals. Contribute your savings at no fees or charges. Enjoy instant withdrawal. Cultivate a savings habit. Enjoy instant technical support within the app. Becoming an Agent on Moni is easy. Get started in 3 steps: 1. Download the Moni app 2. Provide some information to set up your profile 3. Register Clients and Create savings plans.

Screenshots

Kiakia P2P4 screens
Moni4 screens

Verdict

The call

The clearest difference is update cadence: Moni at monthly against Kiakia P2P's every 22 months. Moni also leads on iOS requirement (11.0 vs 15.6). On price, ads, in-app purchases and device support there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Neither carries in-app purchases, so what you see is what you pay.

UpkeepUpdate frequency

Kiakia P2P ships an update every 22 months, Moni monthly. The most recent releases landed on October 24, 2026 and September 26, 2026 respectively.

Scorecard2 real differences · 8 level
Kiakia P2P versus Moni: the parameters behind the verdict, then further details
ParameterKiakia P2PMoni
PriceFreeFree
Rating3.0 (20 ratings) — better—
Positive reviews0.0% of reviews—
Number of ratings20 — better—
Update frequencyEvery 22 monthsMonthly — better
AdsNoNo
In-app purchasesNoNo
MonetizationFree—
DevicesiPhone, iPad, iPodiPhone, iPad, iPod
Requires iOS15.611.0 — better
Further details — not scored
Size24 MB86 MB
Age rating4+17+
DeveloperKiakia Bits LimitedRank Capital Inc.

In-app purchases

None

Kiakia P2P

No in-app purchases

None

Moni

No in-app purchases

Questions

Is Kiakia P2P free?
Kiakia P2P is free to download, with no in-app purchases.
Is Moni free?
Moni is free to download, with no in-app purchases.
Do Kiakia P2P or Moni have ads?
Neither Kiakia P2P nor Moni shows ads.
Which is updated more often, Kiakia P2P or Moni?
Kiakia P2P ships an update every 22 months, and Moni monthly. Most recently, Kiakia P2P was updated on October 24, 2026 and Moni on September 26, 2026.

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