Start with the CBN and SEC public registers, then match the operating entity name in the app's terms — not the brand name on the app store listing.
If the entity is a fund manager, ask which custodian holds assets. No answer is an answer.
Savings20 July 20265 min read
How to check whether a savings app is actually licensed
A four-step check anyone can run in under ten minutes before depositing a Naira.