Carbon® (formerly Paylater) lets you control your finances with a few clicks. You can get instant short-term loans for urgent needs, invest money to earn high-interest rates, recharge airtime on your mobile phone, and make bill payments for services. It’s fast, secure, reliable and works 24/7. Currently available in Nigeria. NEW FEATURES ON CARBON: With the updated app, you can perform even more financial transactions! - Use your Wallet to make transactions and earn rewards across Carbon -