What Termii does

Termii is an AI-native communications infrastructure company headquartered in Lagos, Nigeria, founded in 2017 by Emmanuel Gbolade, Ayomide Awe, and Atinuke Idowu. It provides transaction signal reliability infrastructure — primarily OTPs, fraud alerts, payment confirmations, and customer verifications — for commercial banks, fintechs, payment processors, telecoms and mobile money operators, and e-commerce businesses across emerging markets, with coverage in 190+ countries and named customers including Wema Bank, PiggyVest, Moniepoint, Chipper Cash, Paystack, Umba, Branch, and ByteDance. The company is licensed by the NCC (Nigeria), FCC (United States), and ARTCI (Côte d'Ivoire), and is ISO/IEC 27001 certified and SOC 2 Type II compliant.

The platform is built around Ayla, a proprietary AI engine trained on 3 billion real transaction signals, which scores every signal for delivery confidence and fraud risk in under 50 milliseconds before execution. Six integrated modules operate on this engine: AI Prediction (pre-execution scoring), Dynamic Routing (real-time channel and vendor selection with automatic failover across SMS, WhatsApp, voice, and email), Fraud Guard (velocity, device fingerprinting, and behavioural anomaly detection), Workflow Agents (autonomous failure resolution with Slack/SMS/voice escalation), Engage (AI send-time optimisation and omnichannel sequencing), and Resolve (autonomous inbound customer resolution across six messaging surfaces). Customers integrate via a documented REST API (v1 and v2) with official Node.js, Python, PHP, and Java SDKs, and can register bring-your-own-vendor integrations including Twilio, Africa's Talking, Vonage, and Messagebird.

Termii monetises through a three-tier subscription model (free Starter, Growth, Scale) combined with usage-based transaction fees at $0.025 per OTP/notification/alert, $2 per voice minute, $0.001 per AI agent outcome, and $1.70 per DID number per month, billed in USD, NGN, KES, GHS, CFA, or GBP with a 20% discount on annual contracts. Distribution is dual-motion: API-first self-serve for developers and an enterprise field sales motion for banks, payment processors, and telecoms on the Scale tier. The company employs approximately 60 people across offices in Lagos, Silicon Valley, London, and Abidjan, and has raised roughly $5M+ in equity to date, with the most recent disclosed round being a $3.65M seed in June 2023 led by Fintech Collective and Ventures Platform.

Name

Termii

Legal name

Termii Webtech Limited/Termii Inc.

Website

https://termii.com

Company type

Private

Founded year

2017

Operating status

Operating

Headcount range

51–100 employees

Short description

Termii is an AI-native communications infrastructure company providing transaction signal reliability for banks, fintechs, payment processors, telecoms, and e-commerce across emerging markets. Its proprietary Ayla engine scores OTPs, fraud checks, and alerts across SMS, WhatsApp, voice, and email in under 50 milliseconds.

Ownership category

akta.pro rank

Product category

Communications Platform as a Service (CPaaS)

NAICS

Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (5182), Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)

SIC

Services-Computer Programming, Data Processing, Etc. (7370), Communications Services, Nec (4899), Services-Telephone Interconnect Systems (7385)

akta.pro primary industry

CPaaS (Programmable Voice, SMS, Video APIs) (HDAIAHAG)

akta.pro secondary industry

Messaging APIs, CPaaS & Programmable Communications (BPAMACAL)

Keywords

• Communications platform as a service
• Transaction reliability infrastructure
• AI message routing
• OTP delivery API
• Fraud detection API

Headquarters

HQ city

New Lagos

HQ country

Nigeria

HQ region

Africa

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Infrastructure, Supply Chain, Marketing or Sales, Operations

Revenue model

1. Transaction-based pricing: Charges per transaction (OTP delivery, notifications, fraud checks) at $0.0250 per transaction for OTPs, notifications and alerts, and promotions. Usage-based model where customers pay per API call.
2. Subscription Plans: Three tiers: Starter (free), Growth (custom pricing for scaling fintechs), and Scale (custom pricing for enterprises). Annual billing saves 20%.
3. Voice and Agent Services: Additional charges for voice channels ($2/min), AI agents ($0.001 per agent outcome), and Direct Inward Dialing Numbers ($1.7/month). Per-user monthly charge of $10 for certain features.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Termii is an AI-native communications platform-as-a-service (CPaaS) that guarantees delivery and validation of transaction signals such as OTPs, fraud alerts, payment confirmations, and customer verifications across SMS, WhatsApp, voice, and email channels. The platform is powered by its proprietary Ayla AI engine, which scores every signal in under 50ms for delivery confidence and fraud risk, then routes intelligently with automatic failover and resolves failures autonomously. Customers access the platform primarily via REST API (v1 and v2), with SDKs for Node.js, Python, PHP, and Java, and an optional Termii Go mobile app for direct engagement use cases.

Product overview

Termii is an AI-native transaction reliability and communications platform-as-a-service (CPaaS) company operating across a unified platform architecture built around its proprietary AI engine, Ayla. The core platform provides multi-channel message delivery (SMS, WhatsApp, voice, email) and OTP/transaction signal infrastructure, underpinned by six integrated AI-powered modules: AI Prediction (pre-execution delivery and fraud scoring), Dynamic Routing (intelligent real-time channel and vendor selection with automatic failover), Fraud Guard (transaction-layer fraud detection with velocity, device, and behavioural analysis), Workflow Agents (autonomous failure resolution and team escalation), Engage (AI-powered omnichannel customer engagement with send-time optimization), and Resolve (autonomous inbound customer resolution across all channels). Customers access the platform via REST API (v1 and v2), official SDKs (Node.js, Python, PHP, Java), and webhook event subscriptions. The platform targets commercial banks, fintechs, payment processors, fraud and compliance teams, telecoms and mobile money operators, and e-commerce and retail businesses.

Differentiator

Problem solved

Functional benefit

Products and services

• Ayla — AI Transaction Prediction Engine Ayla is Termii's proprietary AI prediction engine, trained on over 3 billion real transaction signals, that scores every OTP, fraud check, and transaction alert for delivery confidence and fraud risk in under 50ms before the signal fires, then routes, monitors, and resolves autonomously across channels. Sold as the underlying engine for all Termii platform plans.
• AI Prediction API AI Prediction is a standalone API capability that scores every transaction signal for delivery confidence, channel health, and fraud risk in under 50ms before execution. For fintechs, banks, payment processors, and fraud teams needing sub-50ms pre-signal risk evaluation.
• Dynamic Routing Dynamic Routing is an intelligent routing product that evaluates SMS, WhatsApp, voice, and email channels simultaneously in real time, selecting the highest-confidence path for each signal with automatic pre-staged failover when primary routes degrade. Supports bring-your-own-vendor integrations with Twilio, Africa's Talking, Vonage, and Messagebird. For banks, fintechs, payment processors, and telecoms.
• Fraud Guard Fraud Guard is a transaction-layer fraud scoring product that assesses velocity, device fingerprinting, geo anomalies, and behavioural baselines before OTPs are sent or verifications clear. For fraud and compliance teams at banks, fintechs, payment processors, telecoms, and e-commerce platforms.
• Workflow Agents Workflow Agents is an autonomous AI agent product that monitors the transaction pipeline 24/7, automatically retrying failed signals, rerouting across channels, and escalating to human teams via Slack, SMS, email, or voice with full audit trail context. For engineering and operations teams at fintechs, banks, and payment processors.
• Engage Engage is an AI-powered omnichannel customer engagement product that turns transaction signals into personalised conversations using AI send-time optimization, channel preference learning, and confirmed delivery tracking across SMS, WhatsApp, email, and voice. For marketing, CRM, and lifecycle teams at fintechs and consumer platforms.
• Resolve Resolve is an autonomous customer resolution product that detects transaction issues and handles inbound customer requests across SMS, WhatsApp, email, voice, Instagram, and Messenger without human intervention, with smart escalation when genuine judgment is required. For customer support and operations teams at banks, fintechs, telecoms, and e-commerce platforms.
• Termii Go Termii Go is a mobile application for customer engagement and communication, broadening Termii's CPaaS offering beyond API-only delivery. For businesses and customer-facing teams in emerging markets.
• Termii REST API (v1 and v2) and SDKs Termii REST API is the company's developer-facing API product, providing access to SMS, WhatsApp, voice, and email delivery plus the v2 Ayla-powered signal scoring, dynamic routing, fraud assessment, and workflow agent endpoints. Includes a sandbox environment, webhook event subscriptions, and official SDKs for Node.js, Python, PHP, and Java. For developers, engineering teams, and technical buyers at businesses of all sizes.

Quantifiable outcome

• 99.9% delivery rate verified for major banks (Chase Bank example on site)
• +4 more outcomes

Named customers9 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability8 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered flagship and core.

• Google for Startups Accelerator AfricaflagshipStrategic or Co-development Partner · 1 January 2026Selected for 10th cohort (2026) from nearly 2,600 applicants. Three-month hybrid program offering mentorship, AI/ML workshops, and access to Google's global network.
• TwiliocoreTechnology or IntegrationBring-your-own-vendor integration allowing Twilio as a routing option within Termii's intelligent failover layer.
• Africa's TalkingcoreTechnology or IntegrationBring-your-own-vendor integration allowing Africa's Talking as a routing option within Termii's dynamic routing layer.
• VonagecoreTechnology or IntegrationBring-your-own-vendor integration allowing Vonage as a routing option within Termii's intelligent failover system.
• Amazon Web Services (AWS)coreTechnology or IntegrationPrivate Cloud deployment option within AWS tenant, combining managed cloud convenience with data isolation for regulated institutions.
• Microsoft AzurecoreTechnology or IntegrationPrivate Cloud deployment option within Azure tenant for institutions requiring data sovereignty.
• Google Cloud Platform (GCP)coreTechnology or IntegrationPrivate Cloud deployment option within GCP tenant for enterprise customers.

Scale indicators10 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Twilio: Global CPaaS leader offering programmable SMS, voice, and WhatsApp APIs. Twilio is Termii's most direct peer in programmable communications and is also integrated into Termii as a bring-your-own-vendor routing option, making them simultaneously competitor and partner.
• Plivo: Cloud communications platform offering SMS, voice, and WhatsApp APIs with a developer-first approach similar to Termii's self-serve posture. Direct peer on programmable communications with comparable target customer base of fintechs and digital businesses.
• Sinch: Swedish-headquartered global CPaaS leader in messaging, voice, and conversational AI. Comparable on multi-channel messaging infrastructure and emerging-market focus; competing for the same bank and fintech OTP and verification workloads.
• Bandwidth: CPaaS platform offering messaging, voice, and emergency-calling APIs with strong enterprise and compliance posture. Comparable on enterprise-grade reliability, regulatory licensing, and SOC 2 / ISO 27001 certifications.
• MessageBird (Bird): Omnichannel CPaaS platform offering SMS, WhatsApp, email, and voice APIs with workflow automation. Comparable on multi-channel orchestration and AI-driven routing; also listed as a bring-your-own-vendor partner in Termii's routing layer.
• Vonage (Ericsson): CPaaS provider (now part of Ericsson) offering programmable SMS, voice, and video APIs. Direct peer in programmable communications and integrated as a routing option within Termii's platform, making it both competitor and ecosystem partner.
• Africa's Talking: Pan-African CPaaS platform providing SMS, voice, USSD, and payment APIs to African developers and enterprises. Direct head-to-head competitor in Termii's core markets, and similarly integrated as a bring-your-own-vendor route inside Termii's platform.
• Infobip: Global CPaaS platform with strong emerging-market presence in messaging, voice, and conversational AI. Comparable on multi-channel routing, enterprise scale, and fraud/security capabilities; competes directly for the same bank and fintech workloads.
• Clickatell: Africa-originated CPaaS provider offering multi-channel messaging and commerce APIs. Comparable regional heritage and emerging-market focus; competes for the same African bank, telco, and enterprise messaging workloads.

Broad incumbents

• Amazon Web Services (Pinpoint / SNS): Hyperscaler offering messaging services (SNS, Pinpoint) and the underlying cloud infrastructure on which Termii's private-cloud deployments run. Indirect competitor on raw SMS/email/voice APIs and a partner for enterprise deployment; price-disciplined customers may default to AWS messaging at the expense of Termii's AI layer.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/termii_network
• LinkedInlinkedin.com/company/termii
• Instagraminstagram.com/termii
• Facebookfacebook.com/termiinetworks

Compliance10 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

Funding overview

Funding rounds8 records

Investors30 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Termii