South Africa's TymeBank and Nigeria's Moniepoint have recently achieved unicorn status, raising significant funds and redefining fintech in Africa. Both companies focus on simplifying banking for unbanked populations, blending digital services with physical touchpoints. TymeBank partners with supermarkets while Moniepoint utilizes a network of agents to provide essential financial services. Their hybrid models cater to the unique needs of their markets, enabling access where traditional banking falls short. With plans for expansion, these fintechs aim to replicate their success in other emerging economies.