Onyi Moss was born and raised in Abuja. She is the middle child out of five siblings who hail from Anambra state. Her grandad used to be a police officer in Kano hence why the family settled in Abuja.
Her nursery, primary and education got completed in Abuja. She went to All Saints Primary School and Gifted Secondary School in Gwagwalada. For university, she attended Madonna University Okija where she studied Accounting.
Afterwards, she completed NYSC in Abuja and worked for Zenith Bank in Maitama for two years before pursuing her Chartered Accountancy Qualification (ACCA) at the London School of Business and Finance.