One app. Every naira of the service year.
Four products, all designed around one fact: the federal allawee lands every month, on time, for exactly 12 months. That's the most predictable paycheck in Nigeria — and the foundation of everything we build.
The Advance.
Need cash before payday? Start with ₦10,000 and earn your way up to ₦100,000 through on-time repayments. No paperwork. No guarantors. No phone calls. Funds land in your wallet in under three minutes, and we auto-debit the instant your allawee arrives — before your bank SMS.
- Start at ₦10K (Tier 1). Earn trust. Unlock ₦100K at Trusted tier.
- Rates drop as you climb: 5%/mo at Tier 1 → 3.5%/mo at Trusted
- Flat ₦2,000 service fee per advance — no hidden charges
- Auto-debit fires the instant your allawee lands, not on a calendar date
- No penalty for early repayment. Miss once, your tier adjusts — it doesn't implode.
Smart Wallet.
Your own Nigerian bank account number (NUBAN) — no branch visit, no minimum balance. Budget envelopes that split your money on payday so you don't have to do the math. Free transfers to any bank in Nigeria. Airtime, data, electricity, and cable at zero markup.
- Your own NUBAN — a real bank account number you can share to receive money
- Free transfers to any Nigerian bank, unlimited
- Budget envelopes: auto-split your allawee into rent, food, transport, savings
- Airtime, data, electricity, DSTV/GOtv at zero markup
- Wallet-to-wallet transfers to other corpers — instant, free
Savings Vaults.
Goal-based vaults that lock in your future plans. Pick a goal — Masters tuition, first-month rent, Japa fund, laptop — and set a monthly auto-deposit from your wallet. Funds earn 12-14% APY, deployed safely through our partner institution into T-bills and money market instruments.
- Up to 10 vaults, each with its own goal and timeline
- Target APY: 12-14% (variable, money market rates)
- No early-withdrawal penalty — your money, your call
- Fund deployment: CBN-licensed custodian, T-bills + money market
- Automatic monthly deposits from your wallet. Skip months freely.
Corper Cover.
Health, accident, and phone micro-insurance sized for corper budgets. One bad clinic visit or road accident used to wipe out a month's allawee — not anymore. Policies are underwritten by NAICOM-licensed insurers; we handle claims on your behalf.
- Basic: ₦500/mo — accident + ₦50K personal accident cover
- Standard: ₦1,200/mo — adds outpatient health + medical evacuation
- Plus: ₦2,500/mo — adds phone theft, travel delay, device damage
- One-tap claims from inside the app, average payout 72 hours
- Underwriters: established NAICOM-licensed Nigerian insurers
Built for the full arc.
Bill Payments at zero markup (airtime, data, electricity, cable). Food on Advance (eat now, pay when your allawee lands). Card (USD virtual card for online subscriptions). Post-NYSC Banking (your service year becomes your credit history). Help us build them.
Your service year
deserves better.
Join the Batch B waitlist. First in line for higher starting tiers, early product access, and a founding-member badge on your profile.