CredaFi is the personal AI financial assistant African households and businesses message to send money, pay bills, understand their spending and resolve transfer issues — by chat, image or voice note, priced honestly and delivered with licensed partners.
Every card below is in active development. Each launches as the relevant licensed partnership is signed.
01
In developmentAsk your assistant for your balance, card or history — in text, an image or a voice note.
No download, no dormant app icon. Your balance, virtual card and full statement answer in the same thread you already use to coordinate money with family, staff and customers.
02
In developmentNaira, Cedi and CFA franc moving on honest mid-market pricing.
Designed for the West African corridors people actually send along — Lagos to Accra, Accra to Lagos, Lagos to Abidjan — with the rate, the fee and the arrival window quoted before you approve anything.
03
In developmentBank and wallet payouts in seconds, without switching apps.
Type a name, confirm the account, approve. Receipts land back in the chat so there is never another 'did it hit?' screenshot.
04
In developmentAirtime, data, electricity and TV settled from the same thread.
Recurring bills become a saved instruction. CredaFi reminds you, prices it clearly and waits for your approval before anything leaves your balance.
05
In developmentStuck, delayed or wrong transfers sorted out inside the same chat.
Send a screenshot, a receipt or a voice note describing what went wrong. CredaFi traces the payment with the partner institution, keeps you updated in the thread and tells you exactly what happens next.
06
In developmentSpending insights in plain language — categories, weekly digests and budget alerts.
Every movement is labelled and summarised in plain language, so a business owner knows their true margin without ever opening a spreadsheet.
07
In developmentPay staff and suppliers from a group chat, with clean records.
Schedule salaries, approve batches with a tap and issue invoices and receipts automatically — audit-ready from the first payment.
08
In developmentAPIs and agent tooling for institutions building on our rails.
Banks, MFBs, PSPs and distribution partners plug into wallet, FX and messaging primitives with audit-ready ledgering and role-based controls.
We are building the corridors people actually send along, with the rate, the fee and the arrival window quoted before approval. Twelve corridors are in scope; none is live until its partner licence is in place.
NGN → GHS
Lagos to Accra
NGN → GHS
Lagos to Accra
NGN → XOF
Lagos to Abidjan
GHS → NGN
Accra to Lagos
Simplicity on the surface is only credible when the machinery underneath is serious.
Behavioural and transactional signals score every instruction in real time, with velocity limits and device binding.
KYC/KYB, sanctions screening and AML monitoring designed to satisfy partner institutions and regulators from day one.
Double-entry, append-only ledgering with reconciliation hooks — audit-ready before a single naira moves.
The assistant prepares; the customer authorises. No automated debit, ever.
