A unified digital-first financial operating system for individuals, micro-merchants, MSMEs, cooperatives, and agent networks in Nigeria.
Eliminates the need for separate business and personal apps through instant context switching. Adaptive UI adjusts dashboard layouts dynamically based on user segment.
Clean dashboard emphasizing available balance, bill payments, savings streaks, and instant peer transfers.
Merchant command center displaying daily sales, pending customer invoices, expense tags, and supplier payouts.
Shared financial workspace showing community thrift contributions, meeting minutes, and dual-signoff approvals.
Agency console featuring float liquidity monitoring, commission payouts, and assisted cash-in/out workflows.
High-performance transaction engine supporting everyday payments and deposits.
Tiered KYC onboarding (Tier 1-3) with BVN/NIN validation. Multi-currency support and sub-wallet categorization.
Sub-second interbank transfers via NIBSS, bill payments, airtime, dynamic QR codes, and custom payment links.
Automated goal savings, high-yield locked vaults, salary round-ups, and group contribution tracking.
Virtual and physical Naira cards, instant freeze controls, spending limits, and seamless POS integration.
Full compliance with CBN limits, NDIC deposit insurance, and NIBSS instant settlement standards.
Transforming reactive transactions into proactive, intelligent guidance.
Try the Co-Pilot"Customers do not want another bank account — they want an intelligent assistant that protects their liquidity."
Explains spending and income patterns.
Predicts upcoming cash gaps.
Executes consented rules like auto-sweeping excess cash into yield vaults.
Flags unusual spending and upcoming commitments.
Natural-language assistant answering queries like "How much did I spend on inventory this month?" in plain English or Pidgin.
Human-in-the-Loop: Material credit decisions and large transfers require explicit user confirmation or officer review.
Unique features engineered to solve deep friction points for African consumers and businesses.
Detects unusual transfer velocity or beneficiary anomalies before money leaves, preventing social engineering fraud.
Disburses business loan proceeds directly to verified suppliers, mitigating credit misuse.
Builds a portable, transparent financial score based on cash-flow consistency and group thrift reliability.
Low-bandwidth experience that seamlessly transitions to encrypted USSD channels during network outages.
Schedule recurring payments automatically (e.g. utility/NEPA bills).
Seamless contact-free payments via QR code scanning at merchant POS systems.
Allows nearby users to scan and locate each other to execute transactions or transfers.
Maintain and switch between both Personal and Business accounts within a single app.
Create multiple wallets under a single profile — Family Expenses, School Fees, Discretionary Spend.
Controlled expense cards linked to the main account with real-time transaction monitoring.
Automatic detection and flagging of suspicious or unusual account activity.
Set an active window for online transactions; payments are blocked outside it to prevent abuse of stolen credentials.
Turning bank accounts into a lightweight operating system for Nigerian traders and small enterprises.
Merchant Morning Brief: "Yesterday's sales were ₦145,000. 2 supplier invoices are due tomorrow."
Instant digital invoices with embedded payment links, automatic SMS reminders, and real-time reconciliation.
AI-assisted receipt scanning for expense tagging and low-stock alerts for high-turnover merchandise.
Sub-accounts for staff with custom approval limits, petty cash controls, and streamlined payroll.
Digitizing traditional Ajo, Esusu, and cooperative societies with transparent governance tools.
Shared accounts requiring customizable quorum signoffs (e.g. 2-of-3 executives) before funds can be disbursed.
Scheduled automated contributions, payout rotation calendars, arrears alerts, and member ledger visibility.
Automates meeting summaries, generates financial health statements, and sends reminder nudges for late dues.
Supports churches, market associations, unions, and local thrift societies.
Algorithmic risk scoring backed by real-time cash flows rather than traditional collateral.
Small, short-tenor loans for emergency personal liquidity.
Inventory financing for merchants tied directly to verified POS and QR sales.
Integrated Buy Now, Pay Later or micro-installment purchasing solution.
Access to quick loans paired with a visible, transparent user credit rating system.
Simple • Inclusive • Intelligent
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