Top 50 Marketplace Angel Investors in Nigeria (August 2026)

Portfolio highlights

• Book Your Own — Book Your Own is building an integrated travel ecosystem designed to unify India’s fragmented travel market.
• UrbanFarmers — UrbanFarmers is a platform that connects city dwellers with local urban farms and community gardens.
• Excel And Impact Agro — Excel And Impact Agro aims to tackle the chronic shortage of vegetable production in Côte d'Ivoire.

Portfolio highlights

• Kwik — Your parcels delivered on-demand, safer, cheaper - Soon in Lagos

Portfolio highlights

• ScholarX — ScholarX enables you to study a variety of skills online, receive money for your education, upskill your employees, and expand your business. The company provides low-income Africans with digital and affordable education.
• TORA Africa — TORA Africa an academy that recruits, trains, verifies, insures and provides background-checked drivers for individuals and businesses.
• Bata Shoe Organization — Discover a diverse selection of stylish footwear and accessories for the entire family at Bata's online store. From athletic sneakers to elegant designs, find the latest trends and comfortable options in one place. Shop now to experience unmatched style and comfort with our extensive collection.

Portfolio highlights

• Get It Done Now — GIDN is a Nigerian Fintech Company targeting medium and low income population for Loans and Financial products. GIDN has in addition a cashless, mobile based community marketplace, with more than 5k members, and aims to regulate the informal economy and facilitate the purchase of Services and Digital Products.

Portfolio highlights

• EcoBites — EcoBites is a subscription service that delivers sustainably sourced and eco-friendly packaged snacks and meals to consumers doorsteps.
• Lawyeree — A platform offering AI legal advice to clients and allowing clients to be connected with the best lawyers.
• ZohoOptimizer AI — ZohoOptimizer AI is a platform designed to enhance Zoho’s suite of business applications by providing AI-driven process automation.

Portfolio highlights

• Vendease — VendEase is a marketplace that lets restaurants in Africa, order supplies directly from farms and food manufacturers. Think of us as Amazon, but for food businesses.

Portfolio highlights

• Kwik — Your parcels delivered on-demand, safer, cheaper - Soon in Lagos

Portfolio highlights

• Lakera — Lakera Guard empowers organizations to build GenAI applications without worrying about prompt injections, data loss, harmful content, and other LLM risks. Powered by the world's most advanced AI threat intelligence.
• Tana — Tana is an agentic meeting platform. Work gets done in the meeting, not after. Agents create documents, file issues, and update your context graph while you talk. And each meeting makes future meetings smarter.
• Default — The command center for modern sales teams.

Portfolio highlights

• GetEquity — GetEquity is a NASDAQ for venture capital. We provide an exchange and liquidity for private companies, and an infrastructure for different cadres of venture capital around investing, founder liquidity, and shareholder management
• SureGroup — Commerce in Africa is deeply facilitated by cash, but cash-based transactions are expensive, unsafe, and difficult to track. Suregifts identified an opportunity to take advantage of the growth and adoption of the internet and all things digital in Africa by creating a simple, yet safe alternative currency to be utilised for specific purposes;Vouchers.At the core of what SureGifts does, is selling and maintaining an inventory of vouchers, which can be exchanged between two or more parties, and spent at a closed but extensive network of merchants across Africa for a near-unlimited assortment of goods and services.
• Encore Pay — Encore Pay is a UAE-based FinTech and Payment solutions provider.

Portfolio highlights

• RELAYTO AI Regulated Content Platform — RELAYTO converts your PDFs & presentations to interactive web experiences with instant branding, analytics & more
• Tyms — Tyms online accounting software for your business connects you to your bank, accountant, bookkeeper, and other business apps. Start a free trial today. Also available in Nigeria, Ghana, Mauritius and South Africa.
• Venco Platforms — Venco automates visitor management, billing, and collections, as well as smart utility vending for communities across Africa.

Portfolio highlights

• Get It Done Now — GIDN is a Nigerian Fintech Company targeting medium and low income population for Loans and Financial products. GIDN has in addition a cashless, mobile based community marketplace, with more than 5k members, and aims to regulate the informal economy and facilitate the purchase of Services and Digital Products.

Portfolio highlights

• Wealth8 — Wealth8 is a black-owned investment platform that provides a simple and affordable way for the black community to save & invest in globally managed funds.
• Spleet — ProptechSpleet is an online marketplace for affordable residential rentals and rents financing in Africa. For the tenant, we simplify the rental process by providing flexible rental and payment options and eliminate bureaucracy and expediting the search process. For the landlords, we make renting quicker, safer and better by providing accurateinformation on the tenant and ensuring rental payments are made as and when due.
• Afropolitan — Afropolitan is building a Network State to unleash the maximum potential of Africans around the world. Are you interested? Join us with your email.

Portfolio highlights

• Chowdeck — Order food, groceries, drinks, medicines & everyday essentials from top restaurants, pharmacies, local markets, and stores near you. Fast delivery with Chowdeck.
• Brass — Get started with a modern current account
• Fleet Device Management — Manage, update, and secure all your devices like it's 2026

Portfolio highlights

• NEWNESS — Newness is focused on building differentiated tools and features that work well for the beauty streamer market in particular.
• MAKA — MAKA is a community commerce platform for fashion and beauty, enabling everyone to discover their style, feel represented.
• Riley — Grapevine AI is the first AI powered personal assistant that captures, organizes, and easily retrieves the details that build better relationships. Learn more!

Portfolio highlights

• Chowdeck — Order food, groceries, drinks, medicines & everyday essentials from top restaurants, pharmacies, local markets, and stores near you. Fast delivery with Chowdeck.
• Myka.Insure — Myka is a insurance sales platform that enables individuals to sell insurance policies to their family, friends, colleagues, and community while earning income . It operates as a micro-entrepreneurship program where anyone (students, gadget sellers, car dealers, parents, retirees) can start their own insurance business with zero investment,flexible hours, and free training . The company is licensed by the National Insurance Commission of Nigeria and provides instant payouts to its partners .
• Afropolitan — Afropolitan is building a Network State to unleash the maximum potential of Africans around the world. Are you interested? Join us with your email.

Portfolio highlights

• TopCheck — TopCheck.com.ng is a platform for comparing financial services like insurance, credit cards or loans. It was founded in January 2015 and is headquartered in Lagos.

Portfolio highlights

• TopCheck — TopCheck.com.ng is a platform for comparing financial services like insurance, credit cards or loans. It was founded in January 2015 and is headquartered in Lagos.

Portfolio highlights

• Arone — Idebet ialah situs slot ternama di indonesia resmi hadirkan slot gacor terbaru dengan inovasi perkalian x1000 gampang menang hari ini. Cobain sekarang juga!

Portfolio highlights

• Amca — Amca is building America's new industrial base.
• Terra Industries — Terra Industries develops autonomous security systems and software platforms that support the monitoring and protection of physical assets, infrastructure, and operational environments across land, air, and maritime domains. The company provides unmanned vehicles, autonomous towers, and sensor-based surveillance hardware that collect and transmitdata for continuous situational awareness. Its software layer, built around an integrated operating system, processes sensor inputs, applies artificial intelligence models, and coordinates automated responses to detected events. Terra Industries designs its systems to support functions such as perimeter security, infrastructure monitoring, asset tracking, and threat detection within complex operational settings. The company’s platforms enable operators to manage multiple autonomous devices through a unified interface that supports mission planning, data visualization, and system control. Its technology is used by organizations that require coordinated security, monitoring, and response capabilities for facilities, remote sites, and distributed operations.
• Thor Dynamics — Directed Energy Systems for Counter-Drone Defense

Portfolio highlights

• Faarms — FAARMS is a new age digital platform catering to the needs of farmers.
• Lingoda — Lingoda offers online live language classes in English, German, Spanish, French with qualified, native-speaking teachers. Their mission is to empower even the busiest people to master a language and unlock their potential – anytime, anywhere.
• Flash Coffee — Flash Coffee is a tech-enabled coffee chain that customers use their app to order and pay online, choosing to pick up orders from one of the Flash Coffee’s storefronts or order for delivery through major platforms in each market. Flash Coffee was founded in 2019 and is headquartered in Singapore.

Portfolio highlights

• Reshop — Get your refund, fast.
• Rush — Rush helps Shopify brands increase repeat sales, customer loyalty, and product reviews with a branded order tracking experience shoppers dream about.
• SparkLayer B2B eCommerce — SparkLayer is a powerful B2B eCommerce solution that gives you an easy way to enable B2B functionality on your website. Rapid to setup, simple to use, and integrates beautifully with your existing systems.

Portfolio highlights

• Terra Industries — Terra Industries develops autonomous security systems and software platforms that support the monitoring and protection of physical assets, infrastructure, and operational environments across land, air, and maritime domains. The company provides unmanned vehicles, autonomous towers, and sensor-based surveillance hardware that collect and transmitdata for continuous situational awareness. Its software layer, built around an integrated operating system, processes sensor inputs, applies artificial intelligence models, and coordinates automated responses to detected events. Terra Industries designs its systems to support functions such as perimeter security, infrastructure monitoring, asset tracking, and threat detection within complex operational settings. The company’s platforms enable operators to manage multiple autonomous devices through a unified interface that supports mission planning, data visualization, and system control. Its technology is used by organizations that require coordinated security, monitoring, and response capabilities for facilities, remote sites, and distributed operations.
• Lorum Finance — Lorum is the correspondent institution for banks and fintechs: programmable access to global clearing, named custody, and treasury on a 100% reserve model.
• Fuse Financial Technologies — Financial APIs for building products in the Middle East.

Portfolio highlights

• TopCheck — TopCheck.com.ng is a platform for comparing financial services like insurance, credit cards or loans. It was founded in January 2015 and is headquartered in Lagos.
• Wegatech — They plan renewable energy technology for you. As a standalone solution or in the system. For the professional installation, they work closely with selected craft companies. Thereby they bundle competencies in consulting, planning and execution.
• ePilot Mobility — ePilot Mobility bringt die erste Blockchain basierte E-Carsharing Flotte auf Deutschlands Straßen.Die Blockchain ermöglicht eine Teilhabe der Kunden an den Elektrofahrzeugen. Das Einsetzen dieser Technologie bedeutet, dass Nutzer:innen die E-Autoflotte gemeinsam dezentral besitzen können.Die MissionUm die Klimaziele zu erreichen, müssenanhand neuer Mobilitätskonzepte die CO2-Emissionen pro Person reduziert werden. E-Carsharing für Privatleute, Firmen, Städte und Kommunen durch ePilot Mobility ist ein Teil der Gesamtlösung.

Portfolio highlights

• Krave Mart — Krave Mart is a quick-commerce startup offering the delivery of groceries and other products in 10 minutes.
• Bumpa — The easiest way to set-up and manage your online store. Bumpa helps businesses sell on Instagram, Whatsapp, Facebook, and offline in-store.
• Dailymedicalinfo.com — dailymedicalinfo.com is a medical portal launched in January 2010 as the first digital medical Information platform in Egypt & GCC to provide the Arab community with trusted medical content with a mission of enriching the Arabic language online to improve people`s life matching with people`s continuous need & inquires through a simple way.The platform succeeded to attract 10 million unique users monthly thanks to diversified medical content in 30 different sections to cover the various requirements of the different audience segmentation. Moreover, we’ve the top presence on social media in the world with 16 Million followers on Facebook, 2 M followers on Twitter platform and more than 1 M followers interacted with us daily on Instagram.Our efforts were crowned in Dec 2016 when dailymedicalinfo.com has honored to be the best medical portal in the Arab World and the prize was handed by Ruler Mohammed Bin Rashed Al-Maktoum.Since 2010 till now, dailymedicalinfo.com was seeking to upgrade its services continuously to expand in the region and reach more audience. as we currently delivered our message to more than 15 Arabic Countries, also we started recently to provide medical online directory that containing all doctors’ information data to help our audience to reach the appropriate doctors who match their needs.

Portfolio highlights

• Caldar Mall Africa — Caldar Mall is an African online market place that links buyers and sellers of goods and services. We seek to bridge the gap between people and their demands. We provide a platform for customers and suppliers to communicate and conduct business in a welcoming and safe environment. We have also made sure that people can advertise their serviceslocally and nationally.

Portfolio highlights

• Finclusion Group — Enhancing financial inclusion in Sub-Saharan Africa through data driven lending.
• Kwik — Your parcels delivered on-demand, safer, cheaper - Soon in Lagos

Portfolio highlights

• Syfe — Syfe is a MAS-licensed investment platform where you can trade single stocks, build custom portfolios or choose a managed solution - all in one place.
• Science — Fearless pursuit of medicine's hardest problems
• Voyage Foods — Voyage Foods is securing the future of our favorite foods. Many of the foods we love face uncertain futures due to a range of health, environmental and social reasons, and it will soon become harder to safely, economically and responsibly enjoy a cup of coffee, a bite of chocolate or a spoonful of peanut butter. Through the use of natural,sustainable and upcycled ingredients, combined with proprietary technology and food science, Voyage is creating delicious new foods that taste and look just like their original counterparts – unencumbered by global environmental issues. Our first three platforms: Nut-Free Spreads, Cocoa-Free Chocolate and Bean-Free Coffee.

Portfolio highlights

• Bacu — Bacu provides restaurant technology and offer a comfort food concept.
• Trully — Trully is a digital fraud prevention and identity verification company based in Mexico that detects fraud individually and powers a system to protect an entire network of businesses. It provides a platform for collective intelligence identity enrichment that creates solutions for all types of fraud.
• Chowdeck — Order food, groceries, drinks, medicines & everyday essentials from top restaurants, pharmacies, local markets, and stores near you. Fast delivery with Chowdeck.

Portfolio highlights

• Terra Industries — Terra Industries develops autonomous security systems and software platforms that support the monitoring and protection of physical assets, infrastructure, and operational environments across land, air, and maritime domains. The company provides unmanned vehicles, autonomous towers, and sensor-based surveillance hardware that collect and transmitdata for continuous situational awareness. Its software layer, built around an integrated operating system, processes sensor inputs, applies artificial intelligence models, and coordinates automated responses to detected events. Terra Industries designs its systems to support functions such as perimeter security, infrastructure monitoring, asset tracking, and threat detection within complex operational settings. The company’s platforms enable operators to manage multiple autonomous devices through a unified interface that supports mission planning, data visualization, and system control. Its technology is used by organizations that require coordinated security, monitoring, and response capabilities for facilities, remote sites, and distributed operations.

Portfolio highlights

• Replit — Replit is a simple yet powerful online IDE, Editor, Compiler, Interpreter, and REPL. Code, compile, run, and host in 50+ programming languages.
• Moonlake AI — Vibe code games and worlds into existence.
• Terra Industries — Terra Industries develops autonomous security systems and software platforms that support the monitoring and protection of physical assets, infrastructure, and operational environments across land, air, and maritime domains. The company provides unmanned vehicles, autonomous towers, and sensor-based surveillance hardware that collect and transmitdata for continuous situational awareness. Its software layer, built around an integrated operating system, processes sensor inputs, applies artificial intelligence models, and coordinates automated responses to detected events. Terra Industries designs its systems to support functions such as perimeter security, infrastructure monitoring, asset tracking, and threat detection within complex operational settings. The company’s platforms enable operators to manage multiple autonomous devices through a unified interface that supports mission planning, data visualization, and system control. Its technology is used by organizations that require coordinated security, monitoring, and response capabilities for facilities, remote sites, and distributed operations.

Portfolio highlights

• Twenty20 — T wenty20 has closed its doors and is no longer accessible. Continue your creative journey with curated photos from Envato Elements.
• Wildlife Studios — "Play Tennis Clash for an exciting game of tennis! Try Zooba for a unique Battle Royale experience. Join Wildlife Studios for a career in game development."
• Nuvemshop — Nuvemshop (also known as Tiendanube in Spanish-speaking Latin America) is the only D2C e-commerce platform built specifically for Latin America. It absorbs the full complexity of LATAM commerce — payments, logistics, marketing, banking, access to capital, point of sale, AI, agentic commerce, and fiscal compliance — with everything developedin-house.Unlike fragmented stacks where no single vendor owns the outcome, Nuvemshop gives brands a single platform, a single point of contact, and a fully integrated data layer. Merchants can sell more and operate less, with automation and AI running repetitive tasks so they can focus on building their brand.Founded in 2011 by Alejandro Alfonso, Santiago Sosa, Jose Abuchaem, Martin Palombo, and Alejandro Vazquez, Nuvemshop is headquartered in São Paulo, Brazil, and serves D2C brands across Latin America — from those building their first store to those scaling to hundreds of millions in annual revenue.

Portfolio highlights

• BuyWander — BuyWander is a platform connecting consumers with returned products. The company appears to operate across various categories, including automotive, beauty & health, clothing, electronics, food & grocery, and home & kitchen.
• Warp — Warp is a payroll and compliance tool that makes it easy for founders to hire, onboard, and pay their employees.
• Fund That Flip — Fund That Flip offers customized lending for real estate investors. Partner with America's fastest-growing direct lender. Better than your hard money lender.

Portfolio highlights

• Chowdeck — Order food, groceries, drinks, medicines & everyday essentials from top restaurants, pharmacies, local markets, and stores near you. Fast delivery with Chowdeck.
• Grey — Open international bank accounts for free to receive and make foreign payments instantly or convert currencies - all in one place.
• Augmend — Create documentation and an AI assistant from any video.

Portfolio highlights

• Curative — Get on-the-go COVID-19 testing and other essential health services, wherever you are.
• Mansa — Built by Black creators with a passion for making culture-positive content, Mansa is the only place to stream the best in Global Black stories
• Galaxy Digital — Galaxy is a digital asset and blockchain leader helping institutions, startups, and individuals shape a changing economy.

Portfolio highlights

• KUNE — Kune is a foodtech start-up based in Nairobi. We produce quality take-away meals at an affordable price and distribute it to individuals, retails, and corporate. Following a pre-seed round, Kune is building a 5000 meals-a-day food factory and hiring its founding team.
• BFree — BFree focuses its collection processes on sustainably leading customers out of debt by giving them back control over their finances.
• Pricepally — Pricepally provides access to affordable, nutritious, traceable and secure food items in Africa’s urban cities. Pricepally is a wholesale and sharing economy e-commerce platform that enables people to buy food in bulk or share bulk food items with others online to leverage their collective bargaining power.

Portfolio highlights

• Faro — Every garment deserves to be worn. Leveraging technology and a specialised supply chain, FARO enables brands to offload obsolete inventory through stores in non-core markets, ensuring complete traceability throughout the process.
• Bamba — Today, organizations spend a lot of money on physical data gathering exercises using old-fashioned paper-based methods. These methods result in expensive, severely delayed and incomplete data . With Bamba, a client can launch a data collection exercise anywhere in the world simply from the comfort of their web browser and the client can ensureindividuals respond with complete answers by paying those individuals for that data with mobile airtime in 122 different countries thus far.
• Finclusion Group — Enhancing financial inclusion in Sub-Saharan Africa through data driven lending.

Portfolio highlights

• ORDA — ORDA is a platform allowing guests to order and pay for food and beverage on a digital menu.
• Prizeless.ng — Prizeless.ng is an online platform that compares product prices across online stores in one place. The service allows users to search for products and view listed prices from multiple sellers. Product categories include electronics, phones, laptops, groceries, gaming items, cameras, accessories, and home products. The platform shows trendingsearches and featured items based on search activity. Users can compare listings, review product details, and select a store to complete a purchase. The service also provides guides and articles that explain product choices and buying steps.
• ORDA — Process orders, accept payments, connect to logistic providers, engage with your customers + more. We equip you with everything you need to grow your business.

Portfolio highlights

• TopCheck — TopCheck.com.ng is a platform for comparing financial services like insurance, credit cards or loans. It was founded in January 2015 and is headquartered in Lagos.

Portfolio highlights

• Frain technologies — We're passionate about the product delivery value chain.
• Famasi — Find, Order & Refill medications across 1000+ pharmacies in Nigeria. Delivered in 1 hour. Compare prices, get the best offers, and enjoy free monthly delivery on recurring orders.
• Sendchamp — Messagebird For Africa: Sendchamp provides Communication APIs & CRM for developers & businesses to reach their customers via different messaging channels such as SMS, Email, Voice, Whatsapp, and other digital messaging channels. Our APIs and No code tools help businesses in Africa from the stage of Customer Onboarding, CustomerEngagement, Customer Service & Customer Retention.

Portfolio highlights

• Kobo360 — Kobo360 is Africa's leading supply chain technology platform. We are simplifying the supply chain ecosystem with end-to-end tech products, providing a 360-degree view to all stakeholders.
• GiveHope — Voted the #1 Most Reliable Fundraising Website for Personal Causes #GiveHope
• Totally Bored — Totally Bored is a trivia-style app designed to provide light-hearted amusement.

Portfolio highlights

• deineStudienfinanzierung — deineStudienfinanzierung is the digital platform to help students finance their studies.
• myEGO — Decentralized Identity Solutions We provide the full layer infrastructure for the next generation of digital identity: Decentralized & Self Sovereign (SSI) Contact us Our Solution Centralised solutions facing increasing regulations for individuals, businesses & goods. Data silos are often based on legacy systems and can lead to data security and privacy risk as well as
• TopCheck — TopCheck.com.ng is a platform for comparing financial services like insurance, credit cards or loans. It was founded in January 2015 and is headquartered in Lagos.

Portfolio highlights

• Arone — Idebet ialah situs slot ternama di indonesia resmi hadirkan slot gacor terbaru dengan inovasi perkalian x1000 gampang menang hari ini. Cobain sekarang juga!

Portfolio highlights

• Arone — Idebet ialah situs slot ternama di indonesia resmi hadirkan slot gacor terbaru dengan inovasi perkalian x1000 gampang menang hari ini. Cobain sekarang juga!
• Gamic — Africa's biggest gaming guild.

Portfolio highlights

• idwall — Idwall develops software to help small and medium-sized businesses in the customer credentialing process. It is focused on providing businesses with document validation, background check, and identity verification solutions and services. The company offers a real-time alert system that enables its users to verify customers’ data in signups andpurchases. It also provides implementation and consulting services for its solutions.Idwall was founded in July 2016 and is headquartered in São Paulo, Sao Paulo.
• Wellhub — On a mission to defeat inactivity, Gympass helps companies revolutionize how inactive employees engage in physical activity, driving lasting behavioral change. Our 2000+ clients credit Gympass' unmatched variety, convenience, and flexibility with helping to improve employee engagement, individual performance, and overall business success.Across 14 countries and over 50,000 gym and studio partners, Gympass partners with corporations to craft ongoing, personalized programs that will inspire your workforce to enroll, stay motivated, and unlock their full potential.
• Tripeese — Travefy brings together proposals, itineraries, CRM, and marketing tools so you can focus on delivering unforgettable trips. Explore with a free 10-day trial.

Portfolio highlights

• Telepatia — Telepatia is a health tech platform that utilizes artificial intelligence to support medical professionals.
• Leona — Todos tus chats con pacientes de WhatsApp ahora en una sola app para que nunca pierdas un mensaje importante.
• Nauta — The context that took decades to build now runs your supply chains 24/7. Nauta's AI agents act on your operational brain so your team decides what matters.

Portfolio highlights

• Olarview — Olarview Technology Limited was a Nigerian software company founded on April 7, 2022, and operated as a subsidiary of Olarview Limited. The tech company was headquartered in Lagos, Nigeria. It focuses on delivering software solutions (Software Development, Enterprise Solutions & Securities, E-commerce) across various industries.

Portfolio highlights

• Pricepally — Pricepally provides access to affordable, nutritious, traceable and secure food items in Africa’s urban cities. Pricepally is a wholesale and sharing economy e-commerce platform that enables people to buy food in bulk or share bulk food items with others online to leverage their collective bargaining power.

Portfolio highlights

• GoodCourse — GoodCourse is where TikTok-style content meets expert-made learning paths - to build safer and bias-free cultures.
• Virgil — Virgil provides a financial solution to assist individuals in purchasing a home. For the buyer, Virgil is a dormant partner: in exchange for an investment of 10% of the price, Virgil buys 15% of the apartment and is paid at the time of resale, at the latest 10 years after the purchase. Virgil allows young working people to become owners on average7 years earlier than the average first-time buyer, i.e. as much rent saved. The company was founded in 2019 and is based in Paris, France.
• Defacto — Never fall behind with defacto's instant financing solution. We also integrate with your accounting systems & scale to your needs. Join our wait list !

Portfolio highlights

• Get It Done Now — GIDN is a Nigerian Fintech Company targeting medium and low income population for Loans and Financial products. GIDN has in addition a cashless, mobile based community marketplace, with more than 5k members, and aims to regulate the informal economy and facilitate the purchase of Services and Digital Products.

Portfolio highlights

• Get It Done Now — GIDN is a Nigerian Fintech Company targeting medium and low income population for Loans and Financial products. GIDN has in addition a cashless, mobile based community marketplace, with more than 5k members, and aims to regulate the informal economy and facilitate the purchase of Services and Digital Products.