Secured
Audit-ready ledgering, encryption at rest and in transit, and regulated activity routed through licensed partners.
Pre-launch · building with licensed partners
Your personal AIfinancial assistant.
CredaFi helps you send money, pay bills, understand your spending and resolve transfer issues — just message it by chat, image or voice note. Built with licensed institutions. Nothing is live yet; we are pre-launch and onboarding opens by invitation.
Security-first by designHuman approval on every paymentNo app to install
90s
Target onboarding
Send moneyPay billsSpending insightsTransfer supportVoice notesImagesCompliance
Send moneyPay billsSpending insightsTransfer supportVoice notesImagesCompliance
Our promise
Secured. Smart. Simple.
Three commitments that shape every decision we make — from the ledger design to the wording of a single confirmation message.
Smart
An assistant that understands text, images and voice notes in your own words, drafts the instruction, then hands control back to you.
Simple
One chat. Zero downloads. Paying a bill or fixing a failed transfer becomes as ordinary as sending a message.
What we're building
What CredaFi does. One conversation.
Each service launches as its licensed partnership is signed. Everything below is in active development.
01
Chat Wallet
Ask your assistant for your balance, card or history — in text, an image or a voice note.
02
Cross-border Transfers
Naira, Cedi and CFA franc moving on honest mid-market pricing.
03
Instant Transfers
Bank and wallet payouts in seconds, without switching apps.
04
Bills & Airtime
Airtime, data, electricity and TV settled from the same thread.
05
Transfer Issue Resolution
Stuck, delayed or wrong transfers sorted out inside the same chat.
06
Expense Intelligence
Spending insights in plain language — categories, weekly digests and budget alerts.
07
Business Payroll
Pay staff and suppliers from a group chat, with clean records.
08
Partner Infrastructure
APIs and agent tooling for institutions building on our rails.
How it will work
Three steps. No download.
From first message to first payment in under ninety seconds — the experience we are engineering towards.
01
Say hi
A single message starts onboarding — identity, verification and account setup in one thread.
02
Fund your balance
Transfer in from any bank, card or partner wallet. Balance confirmed in the chat, instantly.
03
Ask by text, image or voice
Send money, pay a bill, ask where your spending went or report a stuck transfer. CredaFi prepares it, quotes it honestly — you approve.
10M
Target active users
1,000
Cities in scope
90s
Target onboarding
0
Apps to install
Everyday Africa
From the market stall to the storefront — the chat we design for.
The akara vendor closing out the morning. The boutique manager paying a supplier. The parent settling school fees between deliveries. CredaFi is the assistant they message where life actually happens, on the phone already in their hand.
10 million active users across 1,000 cities is the mission, not a slogan.
Honest, mid-market FX so remittance stops costing families 8%.
Plain-language spending insights, so nobody has to keep a ledger by hand.
Founder spotlight
Two operators. One conviction.
CredaFi is founder-led by builders who have run payment rails, merchant operations and compliance desks across West Africa's hardest corridors.
CB
Chris Bekee
Co-founder & Chief Executive Officer
A decade building payment infrastructure across West Africa — product and go-to-market leadership at merchant-acquiring, wallet and cross-border remittance companies. Chris holds the pen on strategy, corridor expansion and institutional partnerships.
JC
Judgewill Churchill
Co-founder & Chief Operating Officer
An operations and growth leader who scaled distribution networks for consumer fintech and logistics ventures, running compliance, agent networks and customer operations across Nigeria's hardest corridors. Judgewill owns the engine room.
Ecosystem & compliance
Trust is the product. Everything else is UI.
CredaFi is a technology company. Deposit-taking, payments, FX and settlement are designed to run through licensed institutions under signed partnership agreements — with customer funds never sitting on our balance sheet.
Licensed partner model
KYC & AML by design
Audit-ready ledgering
Human approval on every instruction
Join the waitlist
Be first to meet your CredaFi assistant.
Customers, merchants, partners and investors — tell us what you need and we will reply within a business day.