If you tried borrowing airtime recently on MTN or Airtel and nothing happened, you’re not alone. And no—you’re not blocked or punished for borrowing too much 😂 There’s actually a bigger reason behind it What Changed? Recently, both MTN and Airtel quietly paused their airtime borrowing services (like XtraTime). The reason? Regulations . The Real Reason Behind It In 2025, the Federal Competition and Consumer Protection Commission (FCCPC) introduced new rules known as the DEON Regulations. These rules basically say: 👉 If a service lets users get value now pay later and adds a charge Then that service is considered a loan . So What Does That Mean? Airtime borrowing is no longer just “borrow small credit and repay later.” Legally, it now falls under lending services. What Telecom Companies Must Now Do Because of this, companies like MTN and Airtel are required to: Register officially as lenders Clearly disclose all charges Follow proper debt recovery rules Get appro...
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