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INVESTMENT GRADE: Payaza’s BBB Credit Upgrade Signals Maturity in African FinTech’s Institutional Performance

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Nigerian FinTech firm Payaza has reached a critical inflection point, achieving an upgrade in its long-term issuer credit rating from BBB to BBB by Global Credit Ratings (GCR), an affiliate of Moody’s. This advancement officially solidifies Payaza’s status as an investment-grade company and provides tangible proof that African FinTech operators are capable of combining rapid scaling with institutional financial discipline.

The landmark upgrade was overwhelmingly driven by Payaza’s demonstrated financial prudence, specifically the early and full repayment of its Commercial Paper (CP) Programme. Crucially, the funding for this repayment was sourced entirely from the company’s Internally Generated Revenue (IGR).

The Significance of a BBB Rating

The move into the ‘BBB’ category is far more than a technical adjustment; it is a seal of approval from a global credit institution.

  • Lower Cost of Capital: An investment-grade rating significantly lowers Payaza’s cost of accessing future capital, allowing it to tap into a wider pool of institutional investors such as pension funds and sovereign wealth funds who are restricted to funding only highly-rated entities.

  • Enhanced Credibility: It serves as a powerful validation of the firm’s operational stability, risk management frameworks, and liquidity, making it a more attractive partner for multinational enterprises and international financial services providers seeking reliable African partners.

Proving Sustainability via IGR

In an ecosystem often defined by the “growth-at-all-costs” mentality fueled by venture capital, Payaza’s decision to fund its debt repayment purely through IGR stands out. It shows a fundamental shift from a dependence on continuous external funding to one based on sustainable, profitable operations and cash flow generation.

This act directly addresses the global investor scepticism regarding the long-term viability of high-growth tech firms in emerging markets. By proving its capacity to service debt obligations from core business activities, Payaza has distinguished itself as a financially robust and strategically managed institution.

The upgrade signals a necessary transition for the entire African FinTech ecosystem: the movement away from speculative startups toward resilient, institutionally viable companies ready to anchor the continent’s digital economy.

BACKED BY BILLIONS: Heirs Holdings’ Redtech Unleashes RedPay to Control Africa’s Payment Backbone

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Redtech, the FinTech powerhouse founded by Tony Elumelu’s Heirs Holdings, has officially launched RedPay, an ambitious omnichannel payment platform designed to unify and dominate Africa’s digital transaction infrastructure. The launch is not merely the introduction of another payment gateway, but a strategic infrastructure play backed by one of the continent’s largest corporate conglomerates.

RedPay is designed to simplify and secure the entire merchant lifecycle, enabling businesses to collect, manage, and track all revenue streams—online, in-app, and physical point-of-sale (PoS) transactions—through a single, unified system.

The Infrastructure Ambition: PSSP and PTSP Licenses

RedPay’s positioning as a potential market leader is underpinned by its robust regulatory framework. The platform holds crucial licenses, including the Payment Solutions Service Provider (PSSP) and the Payment Terminal Service Provider (PTSP) authorizations. These licenses allow RedPay to operate at multiple levels of the payment ecosystem, from online gateway services to deploying and maintaining physical PoS terminals.

The platform’s technological foundation is built on an advanced orchestration engine that intelligently routes transactions for optimal success rates. This critical feature, combined with its specialized AI-powered fraud protection, is designed to offer the superior reliability and security demanded by major corporate clients.

The Heirs Holdings Advantage: Scale and Trust

Redtech’s competitive edge is derived directly from its parent company. Backed by the financial muscle and extensive network of Heirs Holdings and its investment portfolio (which includes Transcorp and UBA), RedPay gains immediate credibility and unparalleled access to enterprise clients across crucial sectors: power, hospitality, finance, and health.

This strategic alignment allows RedPay to offer more than just transaction processing; it positions the platform to provide integrated financial services, including potential quick-access credit solutions tailored for its merchant ecosystem—a vital added-value service in Africa’s tight liquidity environment.

The Impact on Nigerian SMEs

For the thousands of Nigerian SMEs transitioning their operations online, RedPay promises a fundamental resolution to fragmentation. By consolidating all collection points into a “single source of truth” for financial reporting, the platform allows business owners to focus on growth rather than grappling with multiple reconciliation systems.

The launch solidifies the intent of major African corporate entities to not only participate in the FinTech boom but to actively control and build the foundational digital infrastructure that will drive the continent’s next phase of economic growth.

Africa’s Economic Pivot: Standard Bank Becomes First on Continent to Integrate China’s Yuan Payment System

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Standard Bank Group, Africa’s largest bank by assets, has executed a landmark financial move by becoming the first African banking institution to officially integrate directly with China’s Cross-Border Interbank Payment System (CIPS).

The integration, which allows for direct trade settlement in the Chinese Yuan (Renminbi), signals a major geopolitical and economic shift, providing African businesses with a powerful mechanism to bypass the U.S. Dollar as an intermediary currency in trade with China.

Strategic Integration with China’s CIPS

The decision follows years of burgeoning trade between the continent and the Asian economic giant. By connecting directly to the CIPS network, Standard Bank is positioned to simplify and expedite the flow of funds for its massive client base of African importers and exporters.

The new system eliminates the need for expensive and time-consuming “double conversion,” where local currencies must first be converted to U.S. Dollars, and then into Yuan, exposing traders to dual foreign exchange fluctuations and additional bank fees.

Significant Cost Savings for African Businesses

The most immediate benefit of the integration will be felt by African businesses—particularly SMEs in manufacturing, retail, and construction—who rely heavily on Chinese machinery, raw materials, and finished goods.

Financial analysts estimate that the direct RMB settlement could save African companies up to 30% on transaction costs, while also significantly cutting down on processing times. This efficiency boost is vital for companies operating on thin margins in an inflationary environment.

“Reducing the transaction cost of trade between Africa and China is a massive value proposition for our clients,” stated a Standard Bank executive. “This is about enhancing resilience and profitability by offering better currency hedging tools and greater financial sovereignty.”

The De-Dollarization Pivot

Standard Bank’s move reinforces a growing global trend toward de-dollarization, which is particularly relevant in Africa, where central banks are seeking stability and alternatives to relying on the unpredictable volatility of the U.S. Dollar.

The integration is a critical acknowledgment of the immense trade corridor between the regions. With China-Africa trade volumes soaring—reaching an estimated $134 billion in the first five months of 2025—having a direct and stable payment channel in the local currencies of the trading partners ensures the financial infrastructure can sustain this massive growth.

The decision is expected to place pressure on rival African banks and regional payment systems to follow suit rapidly, as access to cheaper and more efficient RMB settlement quickly becomes a competitive necessity for attracting large-scale trade finance clients.

HISTORIC FEAT: Akinola Davies Jr. Wins Best Director BIFA for My Father’s Shadow as Lagos-Set Drama Eyes Oscar Glory

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LONDON, U.K.—Nigerian-British filmmaker Akinola Davies Jr. has cemented his status as a leading voice in world cinema, winning the coveted Best Director award at the 28th British Independent Film Awards (BIFA) for his stunning debut feature, My Father’s Shadow.

The Lagos-set drama, co-written with his brother Wale Davies, led this year’s nominations with an unprecedented 12 nods, making it the most recognized film of the ceremony held at the Roundhouse in London on Sunday. The victory underscores the film’s critical resonance as it continues its historic run as the U.K.’s official submission for the Best International Feature category at the upcoming Academy Awards.

A Sweep of Nominations and Global Acclaim

While the top prize went elsewhere, My Father’s Shadow dominated the creative categories, with Davies Jr.’s Best Director win highlighting the film’s masterful craftsmanship and narrative control. The film earned nominations across a full spectrum of technical and creative disciplines, including Best British Independent Film, Best Screenplay, and the Douglas Hickox Award for Best Debut Director.

The BIFA success is the latest accolade in a remarkable journey for the project, which made history earlier this year by premiering at the Cannes Film Festival in the prestigious Un Certain Regard section—the first Nigerian film ever selected for the official Cannes lineup—where it earned a Special Mention for the Caméra d’Or. Adding to the team’s triumph, lead actor Ṣọpẹ́ Dìrísù recently secured the Outstanding Lead Performance award at the Gotham Awards, validating the powerful acting at the heart of the drama.

The Lagos Story: Family, Identity, and Political Turmoil

My Father’s Shadow is an intimate, politically charged drama set against one of the most pivotal moments in Nigeria’s modern history: June 23, 1993, the day following the infamous annulment of the June 12 presidential election.

The film follows two young brothers as they embark on an unexpected journey through the chaos of the city with their estranged father (portrayed by Dìrísù). What begins as a simple errand to collect a long-overdue paycheck becomes a transformative, near-spiritual odyssey, exploring themes of paternal distance, masculinity, and the deep emotional anxiety of a nation suspended between the hope of democracy and the reality of betrayal.

Davies Jr., whose semi-autobiographical project expanded from a short concept written by his brother and producer Wale Davies, has been praised for capturing the sensory intensity of Lagos while maintaining the lyrical sensitivity of a personal family memoir.

Director’s Dedication to the Diaspora

Celebrating his win, Davies Jr. shared photos with his BIFA statuette, dedicating the honor to the dual homes that inspire his work and the diaspora that informs his perspective:

“4 London, 4 Lagos, 4 every diasporan kid & 4 all the cast & crew of My Fathers Shadow.”

The director’s powerful dedication underscores the film’s successful mission: to tell deeply personal, culturally specific African stories with a universal resonance that commands attention on the world’s most competitive cinematic stages.

CBN Ends Special Authorisation: New Cash Withdrawal Rules Effective January 2026

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ABUJA—The Central Bank of Nigeria (CBN) has announced significant revisions to its cash-related policies, effective January 1, 2026. These changes signal a renewed push towards a cashless society by moderating cash management costs, curbing illicit financial flows, and streamlining the withdrawal process.

The most notable change is the elimination of the cumbersome “special authorization” requirement for large cash withdrawals, although the existing weekly withdrawal limits remain in place.

Key Policy Revisions Starting January 2026

The revised circular issued by the CBN introduces several key updates that will govern cash transactions across all channels—including banks, ATMs, and PoS agents.

1. End of Special Authorisation

The CBN has ended the requirement for customers making exceptional cash withdrawals (above the standard weekly limits) to obtain written approval from the MD/CEO of the financial institution.

This move simplifies the process for legitimate large transactions, removing a major bureaucratic bottleneck. However, the existing processing fees and documentation requirements for excess withdrawals remain.

2. Weekly Withdrawal Limits Confirmed

The established maximum weekly cash withdrawal limits across all channels (ATM, OTC, PoS) remain unchanged:

  • Individuals: ₦500,000 per week.

  • Corporate Organisations: ₦5,000,000 per week.

3. Excess Withdrawal Fees and Documentation

For compelling circumstances where cash withdrawal above the weekly limit is required, customers must still comply with the following:

  • Processing Fees: 3% for individuals and 5% for corporate organizations.

  • Required Documentation: Valid ID (National ID, Passport, or Driver’s License), BVN of the payee, and TIN of both payee and payer must still be provided and uploaded to the CBN portal.

4. Deposit Limits Removed

In a measure designed to ease pressure on businesses, the new policy includes the removal of deposit limits and associated fees that had previously been enforced.

The Rationale: Moderating Costs and Security

These revisions are the latest step in the CBN’s “Cash-less Nigeria” policy, which aims to reduce the volume of physical cash circulating in the economy.

The removal of special authorization is expected to improve efficiency for banks and customers alike, while the continuity of the strict weekly limits and excess fees is intended to maintain control over cash flow, reduce the risks of money laundering, and compel greater adoption of electronic payment channels (internet banking, mobile apps, USSD, eNaira, etc.).

Financial institutions are strictly directed to comply with the new rules and are warned that aiding and abetting the circumvention of this policy will attract severe sanctions.

Eko Atlantic Leads Lagos Luxury Residential Boom with 59.5% Growth — Report

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LAGOS—Eko Atlantic City, the high-end, master-planned metropolis built on reclaimed land off Victoria Island, has emerged as the undisputed leader in the Lagos luxury residential market. According to a new report from property analytics firm Estate Intel, Eko Atlantic recorded a staggering 59.5% sales growth rate over the last five years, outpacing other prime districts.

This exceptional growth highlights the sustained demand from High-Net-Worth Individuals (HNWIs) and the diaspora for ultra-prime properties that offer superior infrastructure, security, and amenities.

The Ultra-Prime Race: Eko Atlantic vs. Ikoyi and Banana Island

The Estate Intel data shows a clear widening gap between the performance of master-planned developments and traditional elite neighborhoods, with Eko Atlantic setting the benchmark for appreciation in the naira value of residential assets.

Prime Lagos District 5-Year Sales Price Growth Rate Key Driver
Eko Atlantic 59.5% Master-planned infrastructure, security, and Free Zone status.
Ikoyi 58.14% Enduring appeal, status, and proximity to business hubs.
Banana Island 55.30% Scarcity of waterfront plots and exclusive residency.
Victoria Island 45.04% Strong demand in the mixed-use commercial and residential centre.
Oniru 38.32% Steady appreciation in a broader-mix neighborhood.

While Ikoyi and Banana Island posted impressive gains, Eko Atlantic’s top position underscores the scarcity premiuminvestors are willing to pay for its unique urban offering.

The Foundation of Growth: Infrastructure and Free Zone Status

The success of Eko Atlantic is not accidental. According to industry experts, its strong performance is underpinned by the quality of its infrastructure and unique regulatory environment, which provide a solid, sustainable foundation for high-rise developments.

  • World-Class Infrastructure: The city boasts 24/7 uninterrupted power, reliable water supply, efficient drainage systems, and a high-speed fiber-optic network—amenities that are often inconsistent in other parts of the city.

  • Investment Security: Eko Atlantic’s status as a Free Zone offers significant investment protections, streamlined regulatory approvals, and crucial tax incentives. This framework provides local and international investors with the assurance and security often sought in large-scale capital deployments.

The ongoing construction activity, which sees the residential sector account for 61.8% of the city’s pipeline projects, indicates that developers are moving swiftly to meet the unrelenting demand. This activity is crucial, as approximately 91.5% of Eko Atlantic’s residential pipeline falls into the luxury segment.

The trend confirms that luxury real estate in Lagos continues to function less as a traditional housing solution and more as a high-yield vehicle for wealth accumulation and preservation, particularly for investors with patient capital and long-term horizons.

Lagos Commuters Rejoice! 229 High-Capacity Buses Launch on Lekki–Epe Corridor Dec 8

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Lagos is about to witness a major facelift in its public transportation system. Commuters on the notoriously busy Lekki–Epe axis can finally look forward to a cleaner, safer, and more organized journey as the Lagos Metropolitan Area Transport Authority (LAMATA) confirms the launch of a revolutionary new bus scheme set for December 8, 2025.

Dubbed the Lekki–Epe Bus Reform Scheme, this initiative represents the first major phase of a comprehensive plan to formalize and sanitize one of the state’s most critical corridors, promising a complete overhaul of the current informal system.

The New Fleet and Exclusive Routes

The announcement, made on Tuesday by LAMATA, detailed an aggressive initial rollout aimed at hitting the ground running.

229 high- and medium-capacity buses will be deployed in the starting phase. These buses will introduce exclusive, government-regulated services on key routes, effectively streamlining movement and reducing chaos.

  • Ajah–CMS/Marina (including an express service)

  • Ajah–Obalende

  • Ajah–Oshodi

  • Ajah–Berger

  • Ajah–Iyana Ipaja

While some operators will run express services, others will handle the traditional stage-by-stage operations, ensuring that both speed and accessibility are catered for across the routes.

Focus on Standards and Technology

One of the most significant changes under this reform is the compulsory standardization and regulation of the participating fleet.

All buses operating under the scheme will strictly carry the familiar blue-and-white Lagos regulated colours. Furthermore, they will feature modern verification technology, including:

  • QR-enabled PTCS Verification Stickers

  • Unique Identification Codes

  • Touch and Pay (TAP) Stickers for seamless, cashless transactions.

This move marks a definitive push towards formalizing the transit sector, enhancing transparency, and improving the commuter experience to global standards.

Elevating Commuter Experience

According to LAMATA, the initiative stems from a final consensus reached with informal bus operators and key stakeholders. The core mission is clear: to drastically enhance commuter safety, comfort, and operational discipline along the corridor.

This initial service focuses on key routes but will ultimately extend all the way to Epe, linking the entire eastern axis of the state with Lagos’s central hubs. The success of this rollout is expected to serve as a blueprint for reforming other major transit routes across the bustling mega-city.

What are your thoughts on Lagos’s new bus reform? Will this finally solve the Lekki–Epe gridlock?

Share your predictions and experiences in the comments!

BREAKING: Tinubu Nominates Ex-CDS General Christopher Musa as Nigeria’s New Minister of Defence

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In a major cabinet shake-up that has sent ripples through the nation’s capital, President Bola Ahmed Tinubu has officially nominated the former Chief of Defence Staff, General Christopher Gwabin Musa, as Nigeria’s new Minister of Defence.

The announcement, conveyed in a letter to Senate President Godswill Akpabio earlier today, marks a significant shift in Nigeria’s security leadership.

The Transition
The nomination follows the sudden resignation of Alhaji Mohammed Badaru Abubakar on Monday, citing health reasons. Moving swiftly to bridge the gap, President Tinubu has turned to a trusted hand—General Musa—to take the helm at the Ministry of Defence.

In his correspondence to the Senate, the President expressed “absolute confidence” in General Musa’s capacity to not only lead the ministry but to aggressively strengthen the nation’s evolving security architecture.

Meet the New Defence Boss
General Musa is no stranger to the heavy responsibilities of national security.

A Veteran Leader: He served as Nigeria’s 18th Chief of Defence Staff from June 2023 until October 2025.

Decorated Career: A winner of the prestigious Colin Powell Award for Soldiering, Musa has a reputation for being a “soldier’s soldier.”

Field Experience: His resume boasts critical roles, including Theatre Commander of Operation Hadin Kai in the Northeast, where he led counter-terrorism efforts against Boko Haram.

Born on Christmas Day in 1967 in Sokoto, General Musa is an alumnus of the Nigerian Defence Academy (38th Regular Course). His return to the cabinet suggests the Presidency is prioritizing deep military experience and continuity in its war against insecurity.

What This Means for Nigeria
The appointment comes at a critical time as the federal government ramps up efforts to tackle banditry and internal unrest. By placing a combat-tested General in the ministerial seat—rather than a civilian—analysts believe the President is signaling a more operational and hands-on approach to defence policy.

General Musa is expected to appear before the Senate for screening and confirmation in the coming days.

What are your thoughts on this appointment? Do you think a retired General is the best fit for the Minister of Defence role?

THE SHADOW WAR WITHIN: WHY FLUSHING OUT FIFTH COLUMNISTS IS THE FIRST REAL VICTORY IN NIGERIA’S SECURITY REVOLUTION – Sadiq Mohammed

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THE SHADOW WAR WITHIN: WHY FLUSHING OUT FIFTH COLUMNISTS IS THE FIRST REAL VICTORY IN NIGERIA’S SECURITY REVOLUTION

– Sadiq Mohammed

An army can survive enemy fire, but no nation survives betrayal from within. Every battlefield has two fronts: the visible one where soldiers face insurgents and bandits, and the invisible one where information leaks, compromised officers, and covert sympathizers undermine operations long before a shot is fired. Nigeria’s fight against terrorism has never been solely about forest terrain, remote enclaves, or kinetic operations; it has always been, in equal measure, a war against infiltration, internal compromise, and sabotage of national will.

The term fifth columnist did not originate in Africa, yet it describes, with painful accuracy, the underbelly of Nigeria’s security challenges. It was born in 1936 during the Spanish Civil War, when General Emilio Mola declared that he had four columns advancing on Madrid and a fifth column of sympathizers inside the city ready to sabotage it from behind the lines. From that moment on, military doctrine has treated internal traitors as strategic force multipliers for the enemy. They supply intelligence, disrupt logistics, compromise troop movements, undermine morale and, in the age of digital warfare, leak sensitive operations to the open world with a single reckless post.

History is full of wars lost not by superior enemy firepower but by the invisible hand of internal betrayal. In World War II, the fall of France was accelerated by Vichy collaborators whose intelligence leaks crippled the French defensive posture. In Vietnam, U.S counterinsurgency efforts repeatedly collapsed because Viet Cong sympathizers inside villages and government structures provided perfect foreknowledge of American movements. Even Iraq’s post-2003 instability was fueled by embedded Ba’athist remnants who passed U.S and Iraqi troop locations to insurgent cells, making ambushes almost predictable.

Internal sabotage is not an academic matter; it is the fracture point where nations bleed.

Nigeria has lived with this burden for years. Every successful ambush, every mysteriously intercepted convoy, every operation compromised before it even began carries the fingerprints of internal compromise. The theatre of operations in the North East, North West and the Lake Chad region has long been polluted by actors using the cover of uniform, office, or privilege to feed insurgent groups, sometimes for ideology, sometimes for money, sometimes for tribal loyalties and sometimes simply to maintain a profitable chaos.

The recent exposure of reckless social-media leaks about U.S ISR flights over Lake Chad is a textbook example of the operational damage a fifth columnist can inflict. A single leak can disperse enemy formations, fortify their hideouts and neutralize days of high-value intelligence collection. ISWAP fighters do not need clairvoyance when compromised Nigerians do the reconnaissance for them.

But something has shifted.

A silent purge has begun within the security architecture. The Nigerian government appears poised to sanitize the operational theatre, flush out internal saboteurs and reset the battlefield for a joint Nigeria–U.S counter-terrorism posture. When a government begins to dismantle embedded interests that profit from insecurity, the war changes shape. Intelligence warfare becomes tighter. Operational secrecy returns. Bandit camps lose their strategic early-warning signals. ISWAP cells lose the bureaucratic eyes that once watched on their behalf.

For the first time in years, criminals are losing the only advantage that sustained them: protection from within.

Nigeria stands at the edge of a decisive transformation. Before any nation wins a kinetic war, it must win the intelligence war. Before insurgents are defeated in the bush, they must be defeated in the ministries, barracks, offices and command structures where betrayal once lived comfortably. Fifth columnists thrive in disorder; cleansing them is not just an administrative exercise, it is the precondition for victory.

The coming months may mark the beginning of the most significant strategic turnaround in Nigeria’s modern security history. A nation that cleans its house before marching to battle is a nation preparing to win. And as the internal saboteurs lose ground, Nigeria’s enemies, for the first time, will face the full weight of a unified state, an aligned command structure and an intelligence architecture no longer riddled with leaks.

When the shadows are removed, the war becomes clearer.
When the traitors are flushed out, the enemy loses its map.
And when a nation fights with one mind, no insurgent network can survive the long war.

If Nigeria succeeds in this internal purge, the battlefield will finally tilt, not because the enemy has grown weaker, but because the state has finally removed the hands that were quietly strengthening them.

Five Strong Candidates Who Could Succeed Badaru as Nigeria’s Defence Minister

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With the sudden resignation of Defence Minister Mohammed Badaru Abubakar, attention has shifted to who President Bola Ahmed Tinubu might appoint to lead one of the most sensitive ministries in the country. Given Nigeria’s ongoing security challenges — from insurgency to banditry and rising regional tensions — the next Defence Minister will need a rare combination of military insight, administrative strength, and political balance.

Below are five individuals widely considered capable of stepping into the role:

1. Gen. Christopher Gwabin Musa (rtd.)
The former Chief of Defence Staff is regarded as a strong contender, especially given his recent leadership of Nigeria’s armed forces. Musa oversaw several counter-insurgency operations and championed modernization within the military. His fresh operational experience and relationships across the service chiefs position him as someone who could step in with minimal adjustment time.

2. Lt. Gen. Tukur Yusuf Buratai (rtd.)
A former Chief of Army Staff, Buratai has long been associated with counter-terrorism operations in the Northeast. His deep institutional knowledge and experience commanding troops across multiple theatres make him a practical choice for strengthening military coordination and discipline. He remains a respected figure within defence circles.

3. Maj. Gen. Bashir Salihi Magashi (rtd.)
Magashi previously served as Defence Minister between 2019 and 2023, giving him direct familiarity with the ministry’s administrative and political challenges. His background bridges both high-level military command and federal-level governance, which could bring stability and continuity at a time of transition.

4. Yayale Ahmed (Technocrat)
A seasoned technocrat and former Head of Service, Yayale Ahmed served as Defence Minister from 2007 to 2008. Though not a military officer, he is known for his administrative discipline and strong civil-service background. His appointment would signal a push toward institutional reform, procurement transparency, and improved civilian oversight.

5. Lt. Gen. Theophilus Yakubu Danjuma (rtd.)
A respected elder statesman and former Defence Minister (1999–2003), Danjuma’s long military and political career has shaped Nigerian defence for decades. While his return would be unexpected, his strategic understanding and national security influence make him a name that consistently appears in defence-policy conversations.

As the nation awaits President Tinubu’s decision, these five figures stand out for their experience, leadership, and ability to navigate Nigeria’s complex security environment.