₦airaland Forum

TheStoriesOfMan:
Hmmm... let's see what will happen in ten years time eh?

It will still be the same thing.

People will lose their jobs to humans that know how to use AI.

AI will not replace humans

TheStoriesOfMan:
Why spending money to do tasks that are not up to my taste or mediocre, when I can get the free version of any app, run few prompt and get it solved?

The customer mostly has the least taste in the room. The businesses that are still paying humans want to remain in control.

As someone who has secured funding through vibecoding apps, I can tell you that I wish I had a developer do some of the work. It's because the stakes are not high enough, that's why you think AI will replace anybody.

buzmanjohn:
Oh. This post is outdated. Most of these businesses work well in the last 7 years. AI has replaced most of the business.

Una too funny. AI didn't replace nothing, And I'm a top AI developer.

You think that people will go through creating anything when they can just pay someone else to do it?

CaptainWest1000:
So how do u go about monitizing it, I want to learn too Boss

Do you see anybody giving this knowledge?

That's because everybody who knows wants money for it.

I sha know say Nairaland people no dey pay so I no go start.

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Sent you a message on whatsapp

I am creating free AI images for your projects, and I will give you my prompts as well. Enjoy. I sell prompts, so if you want any custom work done. And yes, you can sell the prompts I put in this thread. If you're not sure where you can sell prompts, tell me, and I will make a thread.

KingKani:
I can help you grow your viewership numbers and write engaging scripts based on my experience, and I'm very versatile and adaptable in moving between niche topics, sir.

Please, I would like to send you a DM with my CV and work samples.

This method doesn't require scripts buy thank you.

SmartPolician:
If you write grammar finish, you go rest! Better still, go and start your own loan shark. Talk is cheap.

PS: I won't reply again

Lol. You will reply. I know your type.

SmartPolician:
I had a friend who worked with a loan shark and had to resign from the job because she struggled with recovering money from people.
People default on loans and have no apologies for it. They'll tell you that the FG owes billions of dollars and that nobody has arrested the president for that.

You see, fairness and due process apply when you are dealing with sane humans, not the opposite because the vast majority of Nigerians are insanely dubious. I suppose those loan sharks apply those strategies because they understand the kinds of people they are dealing with. Nobody forced them to borrow money from loan sharks.

This makes sense. But the article is not discussing why the lenders owe. It discusses why the government is approving companies that are in a clear breach of Section 24 of the NDPA Act of 2023.

These stories are touching, but compliance with the law is not dependent on the customer's reaction.

The law must be observed. The company didn't break the law after they were owed. They broke the law BEFORE the lenders were due. The lenders can take this anywhere and be well within their rights. If the lender pays before the threats can be issued, their data is still out there.

These emotional excuses cannot undermine the rule of law. The loan companies have broken the law.

And as they pay license fees but are not being punished for the lack of compliance with the NDPA, the next investigation is to find out who is taking their money and why.

SmartPolician:
Talk is cheap. If you think those loan sharks are being unfair to their borrowers, then start your own lending company, keep pampering your borrowers and let's see if your company will last for more than one year.

If you read comments on Nairaland and see how Nigerians are advising people who borrowed money from loan sharks to break their sims, instead of advising them to pay back their loans, you'll understand the kinds of humans you are dealing with.

Lol. The Loan companies are breaking the law before the lenders are due.


Did you read the article at all?

Somewhere in Lagos right now, a young Nigerian earning N75,000 a month is about to destroy somebody’s life.

They have your mother’s phone number. Your pastor’s contact. Your boss’s email. Your village people’s WhatsApp group. They have everything. And they have something even more dangerous: a government-issued license that tells them they are untouchable.
The FCCPC calls it “regulation.” They call it “consumer protection.”

A Special Investigation
“Go and report us. We are government-approved. What will you do?”

That’s the line now. That’s what recovery agents say when they call your mother at 5 AM, calling you a ritualist. When they message your employer claiming you’re a fraudster. When they send your photograph to every contact on your phone, branding you a thief over N15,000.

They’re not hiding anymore. They’re bragging. And the painful truth is, they have a point.

Because the Federal Competition and Consumer Protection Commission gave them the stamp that makes them untouchable. The government created a whitelist. Nigerians trusted it. And now that same list has become a weapon aimed directly at us.

I have spent months investigating Nigeria’s digital lending industry. What I found is not just regulatory failure. It is regulatory complicity.

It starts with a ping at 11:34 PM. You haven’t even defaulted yet. Your loan is due tomorrow. But the email isn’t a reminder. It’s a threat. And worse, it’s not just sent to you.

In a display of incompetence so staggering it feels like wickedness, the loan app has ‘CC’d you alongside 49 other ‘defaulters.’ You can see their full names. You can see their email addresses. And they can see yours. With one careless click, a fintech company has just exposed you to strangers, labeling you a debtor before you’ve even missed one kobo.


The company responsible? Singularity Tech Limited, the operators behind[i] Grola and Lairaplus[/i], two apps that many Nigerians have downloaded, trusting they were dealing with a legitimate business.

Here is the kicker that should make every Nigerian angry: This wasn’t some shady, backyard lender operating through APK files on Telegram. Singularity Tech is a company on the FCCPC’s Whitelist, a government-approved, fully registered entity.

Welcome to the era of Humiliation, where the Federal Competition and Consumer Protection Commission (FCCPC) doesn’t just fail to protect you. It hands your abusers a license to operate and looks the other way while they tear your dignity to shreds.

Is the Government lying to us?
The FCCPC, with its ‘Limited Interim Regulatory/Registration Framework,’ promised to clean up the mess. They delisted Soko Loan with plenty of media noise. They raided some offices in Ikeja and took pictures for the newspapers. They handed out licenses to ‘compliant’ Digital Money Lenders like they were sharing chin-chin at a party.

But let us ask ourselves: What does ‘compliance[/i]’ actually mean in this country?

To the average Nigerian, a trader in Onitsha, a civil servant in Kaduna waiting for a salary, a graduate in Lagos hustling between jobs, an FCCPC approval stamp appears to be a guarantee. It tells you: “This app is safe. The government has checked them. They won’t disgrace you.”

[i]Na lie.

The reality is that the approval process is pure paperwork. They collect the certificate of incorporation. They take directors’ details. They collect their license fee. Finish. Nobody is checking whether these apps will protect your data. Nobody is verifying that their recovery agents won’t call your pastor at midnight to tell him you’re a thief. The FCCPC essentially created an exclusive club for digital loan sharks, dressed them in fine clothes, and released them on suffering Nigerians.

Singularity Tech, operators of[b] Grola and Lairaplus[/b], passed through this system. They got their stamp of approval. And then they exposed the personal data of dozens of Nigerians in a single reckless email.

Government-approved, government-protected, government-enabled?

What These “Approved” Apps Are Actually Doing
The Singularity Tech bulk email incident, where dozens of borrowers were exposed to each other, is not a small mistake. It’s a criminal violation of the Nigeria Data Protection Act (NDPA) 2023.

Section 24 of that law says clearly: if you collect people’s data, you must protect it. You cannot expose someone’s personal information to strangers. By copying 50 people on one email and showing everyone’s addresses to everyone else, Grola and Lairaplus’s parent company committed a breach that should land someone in court.

But here’s what will shock you: This kind of recklessness is common among these so-called approved apps.

Why? Because nobody checked their technology. Many of these apps are cheap copies running on databases so weak that a secondary school student with basic coding knowledge could break into them.

These companies don’t employ data security experts. What they have instead are aggressive recovery agents sitting somewhere in a stuffy office, armed with Excel spreadsheets containing your mother’s phone number, your office address, and zero conscience.

The N75,000 Soldiers of Destruction
During my investigation, I uncovered something that puts the entire system into perspective.

The recovery agents who call you at 6 AM to threaten you, the ones who message your boss claiming you’re a fraudster, the ones who send your photograph to your WhatsApp contacts calling you a thief, these people earn approximately N75,000 per month.


Seventy-five thousand naira.

That’s the salary of the person given the power to destroy your reputation, your relationships, and your mental health. Someone earning less than many drivers and gatemen in Lagos is handed your personal data, your contact list, and told to “recover the money by any means necessary.”

These agents are often young, desperate for work, and incentivized by commissions. The more they collect, the more they earn. The company doesn’t care how they do it. Only that the money comes in. So they harass. They threaten. They defame.

And when they make a catastrophic mistake, like CC’ing 50 people on a threatening email, there are no consequences. Not for them. Not for the company. Not for anyone.

Meanwhile, the executives at the top are making billions. Singularity Tech and companies like it rake in massive profits from interest rates that would make traditional loan sharks blush. But they pay their foot soldiers N75,000 to carry out psychological warfare against fellow Nigerians.

This is the industry the FCCPC has approved and protected.

Is the FCCPC working for Nigerians?
Let’s stop dancing around the issue and call it what it is: The FCCPC has become a silent partner in this crime.

Think about it. If I pay to get a license, and I use that license to break the law and humiliate Nigerians, and the government refuses to immediately shut me down, what does that make FCCPC?

An accomplice? A beneficiary? A co-conspirator?

I’ll leave you to judge.

The FCCPC’s ‘Whitelist’ has become nothing but a marketing tool for these predators. When their recovery agents call you at 6 AM to insult your family, they now have a new weapon: “Go and report us if you like. We are government-approved. What can you do?”

Singularity Tech’s Grola and Lairaplus are on that whitelist. After exposing dozens of customers’ personal data in a single email, are they still operating? Check the Play Store. You’ll find your answer.

Meanwhile, the Nigerian Data Protection Commission (NDPC) says it is investigating over 400 cases of privacy breaches. Four hundred! Yet, how many of these apps have had their FCCPC licenses permanently revoked?

Count them. I’ll wait.

The silence tells you everything. They announce fines of N50 million or N100 million with plenty of press releases and Twitter posts. But to a lending operation making billions from desperate Nigerians through 300% interest rates, N50 million is change. It’s just the cost of doing business. A small tax on harassment. It doesn’t stop anything.

This Is Not “Aggressive Recovery.” This Is Warfare Against Citizens.
We need to stop using polite language for what these apps are doing to Nigerians. This is psychological terrorism.

In the old days, a local moneylender might come and knock on your door or embarrass you at the market. Today, they can destroy your reputation globally, instantly, and permanently. And they’re doing it with government approval in their back pocket.

Grola. Lairaplus. Singularity Tech. Government-approved.

The approval means nothing. It protects no one except the people making money from your suffering.

What Must Change
Let’s be honest: the current regulatory system is useless. It’s a paper tiger with no teeth. We don’t need more “Interim Frameworks” or “Guidelines” or press statements. We need action that will make these people afraid.

1. Send Executives to Jail
Stop fining companies. Start jailing people. The directors and executives of loan apps that engage in doxing and harassment, including those at Singularity Tech, should face criminal prosecution under the Cybercrimes Act and NDPA. When a CEO knows that they personally could go to Kirikiri for what their company does, behavior will change overnight.

2. One Strike and You’re Out
Forget ‘Three Strikes.’ One confirmed case of mass data breach, like that Grola/Lairaplus bulk email, should result in immediate, permanent revocation of the FCCPC license. The directors should be banned from operating in the financial sector for 10 years. No appeals. No second chances.

3. Compensate the Victims
Every fine the FCCPC collects from these apps should go directly into a Victim Compensation Fund. Nigerians whose lives have been destroyed by these apps deserve more than press releases. They deserve money in their accounts.

4. Regulate the Recovery Agents
People earning N75,000 should not have unchecked power to destroy lives. Recovery agents must be licensed, trained, and held personally liable for harassment. Any agent found to have defamed or threatened a borrower should face criminal charges, not just lose their job.

The Bottom Line
Until the FCCPC starts treating these apps as the criminals they are, instead of tax-paying partners to be protected, the ‘Whitelist’ will remain nothing but a menu of government-approved predators.

Singularity Tech. Grola. Lairaplus. These names should be headlines. These companies should be facing prosecution. Their directors should be answering questions in court, not counting profits in boardrooms.

And you, the Nigerian consumer just trying to survive, will continue to be the meal for as long as the government keeps setting the table for these predators.

The Federal Government has the power to stop this tomorrow. The FCCPC could revoke licenses with immediate effect. The NDPC could pursue criminal charges. The police could make arrests.

The question is: do they want to? Or are they comfortable collecting licensing fees while Nigerians suffer?

After months of investigating this industry, I already know the answer. The question now is what we, the Nigerian people, are going to do about it.

TrippleEEEs:
Please how can one contact you?

'Whasap: 070-1337-9139'

NewWorldOrder20:
If you can help me manage my YouTube page, it's not monetize yet, it's very young, because I want to use it for education purposes

Nah, but thank you. I am strictly a 'for profit' guy.

I do wish you good luck though

alterego17:
How much r u charging for dz?

It's 10k for a one time class.

30k to join my community.

We edit the videos in bundles, so if you want videos to be made for you, it depends on the number.

iProducts4U:
I can design thumbnails for ou and even write youtube scripts. 07061769157 whasapp

I made an AI tool that does this for me. But thank you.

Hello Nairalanders,

I've been running faceless YouTube channels for 6 months, and I want to share my honest experience with YouTube automation as a Nigerian.

What is YouTube Automation?
YouTube Automation is a business model where you create faceless channels without showing yourself or using your voice. Content is produced using scripts, stock footage, AI voiceovers, or hired editors. The goal is to generate passive income through ad revenue, sponsorships, and affiliate marketing.

My Experience:
When I started, I faced challenges many Nigerians know too well: AdSense approval delays, payment method issues, and finding affordable editors. However, after testing several niches, I discovered one that is NOT saturated and consistently generates millions of views. And the videos are so easy to make. Then you can also use the videos on TikTok. We tried it in my community, and one of my students generated 9 million views in 2 weeks. I will attach screenshots. No fear. I got you. Abeg, I go hide my channel name sha and my videos because some of you guys are village people in disguise.

Is It Still Profitable?
Yes, but only if you approach it strategically. Here's what I've learned:

- Niche selection is everything
- Consistency matters more than perfection
- Repurposing content for TikTok increases reach significantly


Want to Learn How?

If you're interested, I can guide you step-by-step or connect you with my team for done-for-you videos for the people who don't have time but want to make the videos.

CaptainWest1000:
I don't have idea boss, can you put me through, I will be greatful Sir

I made a thread. I've found a niche. The videos are easy to make

ANTAX99:
So, how are you going to get that done in 12 hours?

Lol. That's my job. Your job is to provide a topic. You can even provide one right now, and I will give you the full chapter one in less than an hour. Just give me the project topic and the department.

First 5 people to comment their topics here will get their Chapter 1 sent to them immediately as a public proof!

Let Me Help You With Chapter 1 of Your Project - Done in 1 Hour!

Hey guys,

I know how tough the final year can be, especially when you're trying to juggle your project with everything else going on. If you're like me when I was in school, you probably have that supervisor breathing down your neck asking, "Where's your chapter 1?" 😅

Look, I've been where you are, and I know the struggle is real. That's why I've been helping students like you get their projects sorted without all the wahala.

Here's the gist:

I've created something that actually works for our Nigerian university system - not those copy-paste things you see everywhere that don't match what your supervisor wants.

How we'll work together:

Just fill out a simple form with your topic, name, email, and whether you're doing B.Sc, M.Sc, or PGD

I'll send you Chapter 1 completely FREE within an hour (yes, actual 60 minutes - I respect your time)

Check it out, see if you like my work. No pressure at all.

If you're impressed and want me to handle Chapters 2-4, then we can talk about payment.

The thing is, I'm not here to play games:

You get Chapter 1 first before paying anything (so you know I'm legit)
Everything follows our Nigerian university format (I know what they want)
Quick turnaround because I know deadlines don't wait for anybody
If you decide to continue, here's what it costs:

B.Sc/B.A project: ₦15,000 for all chapters (1-4)
PGD: ₦25,000
Masters: ₦40,000

Once you pay, you get chapters 2, 3, and 4 within 12 hours max.

Real talk: What I'm giving you is a solid draft/foundation. It's properly researched and structured, but you'll need to add your own touch, edit it, and make sure it reflects your own understanding. Your school will check for plagiarism and AI - so please, use this as your guide and foundation, not something to submit as-is.

I understand how stressful this period can be - between trying to attend lectures, prepare for exams, and still write a whole project. Let me take some of that load off your shoulders.

Ready to get started? Drop a comment or send me a message. Let's get that Chapter 1 sorted today! 💪

P.S. - I've helped tons of students already. Try the free Chapter 1 first, then decide. What have you got to lose?

If you look at the front pages of our major newspapers today, you will notice something troubling. Whether it is a story about the economy or a local political update, almost every outlet is reporting the exact same thing in the exact same way.

The African media landscape is currently stuck in a cycle of repetition. Newsrooms are understaffed, and journalists are overworked, leading to a "copy and paste" culture where unique storytelling is becoming a luxury.

Enter Abaver AI

Abaver AI is a new platform designed to help journalists and newsrooms break out of this loop. Instead of just rewriting what is already out there, this tool helps media professionals find and draft entirely new angles for their stories.

The goal is simple: to defeat the repetitive nature of news and bring depth back to our headlines.

How it works

Abaver AI acts as a digital brainstorming partner. When a journalist has a basic news lead, the tool analyzes the context and suggests different perspectives that have not been explored yet. Whether it is a focus on the human element, an economic breakdown, or a historical comparison, it provides a fresh starting point for a draft.

By automating the "angle hunting" process, journalists can spend less time staring at a blank screen and more time doing the actual reporting that matters.

Built for the African newsroom

Many AI tools are built with Western media in mind, but Abaver AI is being developed to address the specific challenges of our local media landscape. It is about empowering newsrooms to produce content that is original, engaging, and worth the reader's time.

Try it out

The tool is currently live and accessible for those who want to see how AI can be a force for good in journalism. You can explore the features here: https://abaver-ai.

I am interested in hearing from journalists, bloggers, and tech enthusiasts here on Nairaland. Is "repetitive news" a problem you have noticed? Can AI help us get our spark back, or is the problem deeper than technology?

Let’s discuss.

Please ehn. Anything wey dem go use scam person, I will not do for you in this offer.

No matter how much money you want to offer. I am not interested. Investment site people, I am warning you.

CastroTbb:
Hello Chief. I tried to PM you but I couldn’t. Can you please send me a WhatsApp message? My number is in my signature.

I replied your mail

CastroTbb:
Hello Chief. I tried to PM you but I couldn’t. Can you please send me a WhatsApp message? My number is in my signature.

I replied your mail

Hello Nairaland — I’m building websites 100% free until 30 November 2025. Why? I’m refreshing my portfolio, and I want to help people who can’t afford a website yet or who are just testing the waters.


What you get

A functioning website (small business / personal / portfolio/landing site) built and hosted on InfinityFree — free for 1 year.

Ready in 3 days from when I start.

If you want a custom domain (yourname.com), you buy your domain on your end (don't send me money to buy it for you), and I’ll set it up for you and connect it.

I’ll show you how to manage basic updates after delivery.


Who this is for

People/SMEs who genuinely can’t afford a site right now.

Entrepreneurs testing a new idea want an affordable trial site.

Creatives, artists, freelancers, NGOs, students, side-hustlers — basically anyone who needs a simple web presence.


What I’ll build (example scope)

Landing/home page, About, Services/Products (or Portfolio), Contact — up to 5 pages (or a single-page site if you prefer).

Mobile-responsive, clean layout, contact form, social links.

Hosted on InfinityFree to keep it 100% free for the first year.

Process (simple)

- You apply (see “How to apply” below).

- I confirm and request any content (text, logo, images). If you don’t have assets, I can create basic copy/images for a small fee — otherwise, please provide them.

- I build and deliver within 3 days. You review, and I make one round of tweaks.

- Site goes live on InfinityFree. If you bought a custom domain, I’ll point it for you.

Important / Terms

- Offer valid until Nov 30, 2025. Slots are limited — first-come, first-served.

- I’ll use InfinityFree hosting to keep the site free for 12 months. After that, you can renew/migrate.

- If you choose a paid custom domain or premium features (email hosting, e-commerce), you pay for those costs ON YOUR END. I’ll handle the technical setup.

- I reserve the right to showcase the site in my portfolio. If you need confidentiality, mention it in your application, and we’ll discuss.

How to apply (do this to be considered)
- PM me on Nairaland with the subject FREE SITE and include:

- Your name / Business name

- Short description of what you do (1–2 sentences)

- Preferred site type (business, portfolio, landing, blog)

- Do you have a domain? (yes/no — if yes, include it)

- Logo and images (attach)

Any example sites you like (no go send wetin them build for 5 million naira)

Contact WhatsApp number or email (so I can share staging link)

If you want to see samples of my work before you apply, PM PORTFOLIO and I’ll send links.

No time-wasters, please. This offer is for people who truly need a website but can’t pay right now or want a quick trial site. I’ll close the list when slots are full or on Nov 30, 2025, whichever comes first.

Ready? PM FREE SITE now with your details, and I’ll reply within 48 hours to confirm the slot. Let’s get your idea online.

Many people these days want to make income on Freelance platforms, but several of the popular niches have been oversaturated. I bring good tidings. I have created an email marketing guide that can get you from newbie to pro in less than 2 weeks. I have created modules. And at the end of the guide, I also added a project that you can use to test your skills and build a portfolio.

If this is something you're interested in, reach out to me and I'll get back to you with more details.

Enjoy!

1 site will give you at least 5 times this amount if you know what you are doing.

I wish everybody goodluck

unclejb2:
Stolen money being lavished by the children of corrupt northern politicians

You people are so funny.

I worked hard. Learned HTML from this same Nairaland. Did WordPress on this same Nairaland. Got Upwork Gigs, just for me to buy car and go out for normal community hangout; you say stolen money.

Some of you actually think that the only way to wealth in this country is theft.

The other day, I crashed my car in Wuse. Na so, I dey see instagram comments say na 'spoilt rich kids'. I've sold garri before. If you like don't work hard. Stay on the internet and be dropping hot takes.

HawkTuah:
If Ashawo cannot do business in your state, in retrospect, what does that tells you.

The state is not safe for open minded people like me.

Na you no know where e dey happen.

Ashawo dey do business, but the models have changed.

If you still think anybody is waiting anywhere for you to show up, then you don't know what's up

HawkTuah:
Kaduna is dull, Most Ashawo house have closed down. Kano or Jos realest

if you don't have something tangible to do there, don't relocate because of 1k pepper meat o.

How is Ashawo house the measure of a town doing well?

Kaduna is great.

You are a reflection of your circle, if you prioritize what is good; good things will come to you