CDcare is a Nigerian Save-Now-Buy-Later (SNBL) operator founded by Tobi Odukoya, participating in the ARM Labs Lagos Techstars program. Customers save weekly or monthly toward a target item, and once they have saved 50% or more of the purchase price, CDcare delivers the item and collects the balance. Over the 12-month period from February 2022 to January 2023, CDcare sold USD 6 million worth of goods at gross margins of 10 to 15% with a default rate of just 0.4% and no external debt raised. The SNBL model is structured for African economic reality where traditional BNPL economics struggle.