For generations, Nigeria's informal workers — traders, artisans, and the self-employed — have been structurally excluded from the retirement systems that formal employment quietly provides. TeamApt, in partnership with digital pension platform Awabah, is attempting to close that gap by embedding micro-pension enrollment directly into the POS terminals these workers already use for daily transactions. The initiative, called Pension Direct, uses automated recurring payment mandates to replicate the convenience of payroll deductions — without requiring a payroll. It is a quiet but consequential w