The ₦77,000
is the easy part.
Alawee is the fintech built for Nigerian corpers. Payday advances, a smart wallet, and savings that understand your service year — underwritten against the one paycheck that never misses. Repayment is automatic. No calls, no drama.
₦77,000 in.
₦0 by day 15.
The allawee arrives on the 25th. By the 10th of next month you've paid rent, food, transport, CDS fees and data. Every month, like clockwork.
You're not bad with money. The math just doesn't math. So you borrow, take a loan at 25% monthly, or go hungry for three days.
Corpers don't have an income problem. They have a liquidity timing problem. The money always comes. The gap is the 10-day window every month.
— The Alawee thesisOne app. Every naira
of the service year.
Advances, a wallet, savings, and cover. Every product designed around the rhythm of NYSC — from camp to POP and into your first real job.
The Advance
₦10K to ₦50K against your next allawee. Start small, earn trust, unlock more. No paperwork, no guarantors.
Smart Wallet
Your own bank account number. Free transfers to any bank. Budget envelopes to keep yourself honest.
Savings Vaults
Goal-based savings for after POP — first rent, Masters fees, Japa fund. Earn yield while you save.
Corper Cover
Health, accident, and phone insurance sized for corper budgets. Because NYSC doesn't cover you.
From sign-up to cash
in under 3 minutes.
No documents. No guarantors. No credit scores you don't have. Built around the one fact that matters: you're a corper, and your allawee is coming.
Sign up in 60 seconds
Register with your NYSC call-up number, BVN, and phone number. Set your transaction PIN. You're in — explore the wallet, pay bills, refer friends while you wait for your first allawee.
First allawee lands
We detect your allawee the moment it hits your bank — faster than your bank's own SMS. That first payment verifies your account and unlocks advances. We send you a notification: "You're ready."
Request, spend, auto-repay
Tap "Request Advance," link your bank, authorize a one-time ₦50 mandate, and your money lands in minutes. On the next payday, we auto-debit what you owe — before your bank SMS even arrives. No chasing, no calls.
Lenders built for gig workers.
We built
for corpers.
Carbon, FairMoney, and the rest were built for informal traders and gig workers. Their rates and collection tactics reflect it. We started from a different assumption.
Other lenders Built for gigs
- 15–30% monthly interest — the APR is brutal
- Aggressive collection: SMS to your contacts, 6AM calls
- No dedicated NYSC flow. You look like every other borrower
- Fees hidden under "processing" and "insurance"
- One missed payment and your limit is frozen for months
alawee. Built for you
- 3.5–5% monthly — because your income is government-guaranteed
- Auto-debit the instant your allawee lands. No calls, ever.
- NYSC-native: call-up, tiers, PPA, CDS, POP — all built in
- One clear fee upfront. What you see is what you pay.
- Miss once, your tier adjusts down — it doesn't implode
The short answers.
We're in private beta and launching publicly with Batch B 2026. Join the waitlist to be among the first corpers on the platform — plus early access to higher tiers.
You start at Tier 1 (₦10,000 at 5%/month). Every on-time repayment earns trust — you graduate through five tiers up to ₦100,000 at 3.5%. What you see is what you owe. No hidden fees.
When your allawee lands in your bank account, we detect it in seconds and auto-debit your repayment — before your bank SMS arrives. No manual transfers, no reminders, no calls at 6AM. If the allawee is delayed, your repayment shifts with it. No penalty.
We don't debit on a calendar date — we debit when the money actually arrives. If the federal government delays payment, your repayment waits. No late fees, no penalties. This is the advantage of lending against a known cycle.
All lending is done through a CBN-licensed Microfinance Bank partner. Your deposits are NDIC-protected through our partner institution. We comply with FCCPC consumer protection rules, NDPA data protection law, and CBN digital lending guidelines. No contact-list access, no harassment, no hidden fees.
Yes. Your wallet keeps working, your savings keep earning, and your repayment history becomes a credit score for your first real job. Post-NYSC banking is our Year 3 product — your service year is the beginning, not the end.
Your service year
deserves better.
Join 2,400+ corpers on the Batch B waitlist. First in line for higher starting tiers, early product access, and a founding-member badge on your profile.