Nothing leaves until you know who gets it.

A naira wallet for Nigeria. Send to a handle, pay a meter, or withdraw to a bank, and the name comes back before you confirm.

Not open yetSee how it will work

Who is getting this?

Every screen in the wallet exists to answer that before you let go of anything.

It arrives in an account with your name on it

A virtual account number issued to you alone at our banking partner. You transfer into it from your own bank, and the balance moves when the money does.

9:41
Add money

Transfer to this account from your own bank.

Account number

9012345678

Account nameADAEZE OKAFOR

Issued to you alone, in your own name.

Waiting for your bank

Balance₦48,250.00

One balance, and what it reaches

Naira arrives from your own bank or from another user, and leaves to a person, a bank, a bill or a card.

What a Moneque balance connects toNaira reaches a Moneque balance by a transfer from your own bank into an account issued to you and a payment from another Moneque user. From that balance it goes to a payment to another Moneque user by their handle and a withdrawal to any Nigerian bank account. airtime, data, electricity and television bills, a USD virtual card and buying and selling crypto against naira come later and are drawn as not yet built.Your balanceYour bankAnother userA handleAny Nigerian bankBills and airtimeA dollar cardCrypto
In the first releaseLater

Set up once, then use it

Open an account

An email address and a password

Verify your BVN

Matched against the Nigerian registry

Transfer in from your bank

To an account number that is yours alone

Pay, or take it out

A handle, a bill, or any Nigerian bank

Protected by default

  • BVN matched to the registry
  • PIN or Face ID before a payment
  • Balances are a sum of entries

You are verified once

A BVN matched against the Nigerian registry

The name comes back

From their bank or their biller, not from us

Your PIN, then the payment

Stored as a hash, so nobody here can read it back

It is posted as an entry

Appended to the ledger, never an edit to a balance

One thing properly, then the next

The order we intend to release in. We are not giving dates, because every stage waits at least partly on somebody else.

  1. The naira wallet

    First

  2. Bills, airtime and data

    Then

  3. A dollar card

    After that

  4. Crypto, naira in and out

    Last

The rest of the detail

No. Moneque is in development. It has not launched, it is not in public testing, and it has no customers. The order we intend to release in is above, and we are not offering dates for it, because every stage depends at least partly on a third party or on app store review.

Swapova Ltd holds no Central Bank of Nigeria or Securities and Exchange Commission licence, and nothing on this site should be read as saying otherwise. Everything that requires a licence is carried out by a licensed partner. Moneque is the application in front of them.

Squad, which is HabariPay Limited, a Guaranty Trust Holding Company subsidiary, issues the virtual account you fund and pays out to Nigerian banks. Swervpay verifies your BVN against the registry and issues the dollar card. VTpass delivers airtime, data, electricity and television. Quidax would carry the crypto. Didit checks identity documents. Each receives only what its own part needs.

Somebody living in Nigeria. Verification is a BVN match, and a BVN is issued to a person resident in Nigeria, so an account cannot be opened from outside. Moneque is a one-country, one-currency product and it is built that way rather than filtered that way.

Because our banking partner revalidates it against the registry every time it issues an account and will not do so without the number. It is sent to our identity partner to be verified and held encrypted. It is never shown back to you beyond the last four digits, never written to a log, and never returned by any interface.

In a naira account at our banking partner, issued in your own name. Your balance in the app is derived from a double-entry ledger rather than stored as a number somebody can edit: entries are append-only, every movement carries a key that stops it being applied twice, and a correction is a new opposing entry. A provider saying it accepted something is never treated as settlement. Value is posted when a confirming webhook or a later read says it settled.

We have not set a fee schedule, and we would rather say that than print a number we later have to change. When there is one it will be on the screen where you confirm, before anything is charged, which is the only place a price is any use.

Hold a balance in a supported asset, receive to an address issued to you, send to an address you supply, buy from your naira balance and sell back into it. It will not offer an order book of any kind, margin, leverage, futures, one crypto asset swapped for another, lending, staking or yield. Every conversion has naira on one side. It is a way to hold and move value, and we do not want it to be a trading product.

Yes, one codebase for both, and it is built. It is not in either store yet. What remains before anything opens is live provisioning with each partner and store review.

By email, from the contact page. A person reads it and answers it. There is no phone line, because there is not one that would be answered, and a number that rings out is a worse answer than no number.

Not open yet.

Three ways in, and what each one is still waiting on. The only thing you can do today is ask us to tell you when it changes.

When our partners go liveIn your browser
After store reviewGoogle PlayAfter store reviewApp Store
Tell me when it opens