Our Mission

Our mission is to build the Credit Infrastructure Platform for Ethical Financing.

We are not another loan app. We are a technology company dedicated to creating a transparent ecosystem where everyone wins. We empower salaried employees to make important purchases with confidence, we help merchants grow their sales, and we provide financial institutions with a low-risk, high-velocity channel to deploy capital.

We do this by replacing opaque interest rates with clear, fixed fees and by grounding every transaction in a responsible, payroll-linked model.

The Problem We Solve

The Nigerian consumer credit market is caught between two extremes: slow, bureaucratic traditional banks and high-interest, aggressive digital lenders. This leaves a massive gap in the middle for millions of creditworthy, salaried professionals who need a fair, dignified, and modern way to access financing.

Manual underwriting processes at banks create bottlenecks, while the high default rates of open-market loan apps make sustainable growth nearly impossible. This is a system that is failing both consumers and lenders.

Our Approach: The Keltox Accelerator Model

We are rebuilding the system from the inside out. Our strength lies in our “Orchestrator” model .

We Partner, We Don’t Compete: We work directly with licensed financial institutions, providing them with our API-first technology to automate their internal processes and a platform to access new, pre-vetted customers.
We Engineer Risk Out: By focusing on payroll-linked employees and facilitating asset-backed, “spend-only” financing, we build a foundation of trust and dramatically reduce default risk before a single naira is disbursed.
We Prioritize Transparency: Inspired by the fairness of ethical financing principles, our platform operates on a clear cost-plus-fee model. There are no hidden charges, no compounding interest—just a simple, fixed price that empowers our users.

Let’s Build a Fairer Financial Future.

Whether you’re a salaried professional looking for a better way to finance your goals, a bank ready to digitize your lending, we invite you to join the Keltox ecosystem.

Our Team

Stanley Oro

Founder

Stanley Oro is the Founder of Keltox, providing strategic leadership across business development, product innovation, and long-term growth. He defines the company’s vision, corporate strategy, and market positioning, ensuring alignment with consumer credit demands and regulatory standards.

He combines commercial strategy with product and brand oversight, integrating fintech structuring and customer experience design to build a scalable operating model. Prior to Keltox, he gained experience at Swiftpay, VGC Communications, and Vicstan Group in financial services operations and corporate management.

Stanley holds a Master’s degree in Advertising and Marketing from Bircham International University (Spain) and has completed various professional development programs locally and internationally. He leads strategic partnerships, investor engagement, and institutional positioning for Keltox.

Adakole Eddie Inegedu, SAN

Legal & Financial Advisor, Keltox Senior Partner, Pitcher & Courts

Adakole Eddie Inegedu, SAN, serves as Legal and Financial Advisor to Keltox, providing board-level oversight on regulatory strategy, governance, risk management, and compliance.

He is the Senior Partner of Pitcher & Courts and Head of its Banking and Financial Services Practice, advising financial institutions on licensing, regulatory structuring, mergers and acquisitions, insolvency, and complex commercial transactions. He is also recognized for his expertise in high-value regulatory and commercial litigation.

Eddie holds an LL.B from Ahmadu Bello University and an LL.M from De Montfort University, UK. Called to the Nigerian Bar in 2002, he is a member of the Nigerian Bar Association and the International Bar Association.

REGHA Davidson

Risk & Compliance Expert, Board Member, Keltox

Regha Davidson is a banking and risk management professional with over 20 years of experience across Retail, Commercial, SME, Corporate, Insurance, and Public Sector banking.

He brings expertise in enterprise risk management, credit administration, regulatory compliance, and portfolio optimization, having held senior and executive leadership roles overseeing credit governance, risk exposure, and operational controls.

Davidson is an Associate of the Chartered Institute of Bankers of Nigeria and Scotland, and a Fellow of the Chartered Institute of Credit Administration of Nigeria. At Keltox, he strengthens risk architecture, ensures regulatory compliance, and supports prudent operational and credit governance.

Roland Oletu Oroh

Business Development & Project Management, Board Member, Keltox

Roland Oletu Oroh is a Business Development and Project Management professional with over 25 years’ experience in agribusiness, trade facilitation, and large-scale project management.

He has worked with international development agencies including DFID and USAID, leading projects such as the $16.8M Nigeria Expanded Trade and Transport (NEXTT) Project, which facilitated $50M in exports and $30M in investments along the LAKAJI corridor.

At Keltox, Roland drives business expansion, strategic partnerships, and project management, overseeing market entry and growth initiatives.

Michael Oshogbunu

– CTO

Michael is a Senior Fintech Architect with over seven years of experience designing and deploying enterprise-grade financial infrastructure and consumer-facing financial products. He has led engineering teams at Stanbic IBTC Bank and Chipper Cash, where he built and scaled core payment systems and crypto trading platforms.

His combined experience in regulated banking environments and high-growth fintech startups uniquely positions him to execute Keltox’s dual strategy: delivering robust core banking infrastructure while scaling a high-performance consumer credit application

We’re Rebuilding Credit for the Modern Nigerian Workforce.