The message popped up at 11:47 that night. “Please, I need urgent 2k.” For Tunde, a young banker in Lagos, it was the third plea in just one week. A cousin who hadn’t eaten all day. A neighbour whose child was sent home over fees. Now his younger brother, stuck after another fruitless job search. Tunde let out a quiet sigh, not from irritation, but from knowing he wasn’t alone in this. In today’s Nigeria, millions like him have become the quiet safety nets holding up entire households.