Digitizing Nigeria’s Trusted Way of Saving
Group savings, reimagined. Padi-Pay makes àjọ smarter — with AI insights, investments, crowdfunding, and seamless transfers.
Save Together with Group Savings
Seamless Transfers & Bill Payments
Find Investments & Invest With Confidence
AI-Powered Financial Insights
CrowdFund for Your Business
Your Money Is Safe With Us
CBN Verified & Regulated
We're fully verified by the Central Bank of Nigeria. That means every feature on Padi-Pay is built with regulatory compliance and your financial safety in mind.
Safe, Instant Transfers
Send and receive money securely across accounts, with real-time processing and fraud protection baked in. Whether it's savings or withdrawals, your money moves safely.
Bank-Level Data Encryption
We use 256-bit SSL encryption and partner with PCI-DSS compliant processors to keep your information airtight. From your cards to your bank data—everything is encrypted and secured.
Àjò, Adashe, Opa, Group Contributions Made Easy
Start a savings group with your friends, family, or work people or join one on the app. Everybody contributes. One person collects each round. Simple.
You already trust the traditional Ajo, Adashe, or Opa. We’ve made it smarter, safer, and seamless. No more stress or chasing people or risking your money. Everything is clear, easy to manage and track.
No need for you to take a loan when you can easily start a contribution with others and raise money.
Create Your Own Group
Start a new group and invite others with a simple link. Pick how often you want to contribute, daily, weekly, or monthly. and invite others to join with your link.
Join a Contribution Group
Find a group contributing towards an amount you want and join, and when its your turn to pack, funds are paid directly to your wallet, fast and smooth.
Verified Members Only
No funny stories. Everyone joining is verified. We check their income to be sure they can pay their contributions and ensure peace of mind for everyone.
Full Transparency
You get to see who has paid, who’s next, and how much has gone in. There is no confusion as everyone in the group stays updated.
Save Smarter and Build your Finances
Build the habit of saving with less effort and more results. Whether you're planning for emergencies, travel, rent, or long-term goals, our platform offers flexible saving options designed around your lifestyle while you earn more
Fixed Savings
Lock your funds, save with disciple and earn interest on your savings
Target Savings
Set your financial goals and reach them by saving daily, weekly, or monthly
Spend & Save
Turn your expenses into income by saving a percentage every time you spend
Crowdfunding
Join our community to fund and support innovative projects. Raise funds for your next big idea, or back campaigns that align with your values. It’s easy to launch, share, and support trusted initiatives that drive real impact.
Raise Funds for your Business
Got a business idea or need support for your existing hustle? Start a crowdfunding campaign, tell your story, and let your community back you with funds, no loan, no pressure. Whether you're starting small or scaling big, people who believe in your vision can now chip in to help make it real.
- Create your campaign: Add a campaign title, amount you’re raising, short description, and any document to show your business is legit.
- Launch it: Go live and let the support roll in.
- Share it: Post your campaign link or let people on the app discover and support you.
Support Vetted Businesses
Your support can go a long way. Discover real businesses started by real people around you, from fashion to food, tech to trade to every industry.
Help them grow by contributing any amount to their crowdfunding campaign. You’re not just giving money, you’re helping someone’s hustle thrive.
- How to support:
- Explore campaigns: Browse through stories and goals that matter to you.
- Pick one: Find a business you believe in.
- Support it: Contribute directly from your wallet and share with others
Invest & Grow Your Money With Confidence
Browse investment options matched to your risk appetite. Track performance, diversify your portfolio, and unlock wealth-building opportunities, all from your dashboard. It’s investing made simple, smart, and secure.
AI-powered Financial Guidance
Our AI helps you make smarter money decisions by analyzing your unique financial habits. Get real-time, personalized tips for saving more, investing wisely, managing debt, and planning for taxes, so you can build the future you want.
Personalized Financial Tips
Get tailored tips to improve your finances based on your unique habits. Whether you're saving, spending, or investing, our AI analyzes your activity to provide actionable advice.
Smart Expense Tracking
Track your income and expenses effortlessly with real-time analytics. Understand where your money goes and spot trends that help you take control of your financial future.
Intelligent Investment Insights
Not sure where to put your money? Our AI reviews your financial behavior and suggests investment opportunities that match your risk level and long-term goals—so you can grow with confidence.
Debt Management Support
Tackle debt the smart way. Our AI analyzes your income, expenses, and liabilities to suggest realistic repayment plans, helping you pay off debt faster without overwhelming your budget.
Take Control of Your Finances Today
Join thousands already using Padi-Pay to save, invest, and grow their money the smart way.
