MonequeBuilt in Lagos, for the way money actually moves here.
Most weeks in Nigeria run across four apps and one agent. Your bank app for the transfer, a vendor for the airtime, somebody's POS for cash, another app for the light bill, and a card that gets declined the moment a checkout asks for dollars. Moneque is one balance underneath all of it. Money comes in from your own bank, and goes out to a person, a bank account, a meter, a card, or crypto, without leaving the app.
The questions people ask first.
Somebody living in Nigeria who earns, spends and sends naira. It is a one-country, one-currency product, and it is built that way rather than filtered that way.
You get a naira account number opened in your own name. Transfer to it from your bank app exactly as you would to anybody else, and your balance moves when the money does.
With your tag, which is a name rather than ten digits, or with your phone number, or by transfer to your account number. All three land in the same balance.
Any Nigerian bank account, any other Moneque user, electricity, television, airtime and data. The dollar card covers the online checkouts that will not take a naira card, and crypto buys and sells against your naira balance.
Because the name comes back before the money moves rather than after. Type an account number and the receiving bank returns the account holder. Type a meter number and the address on it comes back. You confirm a person, not digits.
Face ID or a PIN before anything leaves. Your identity is verified once when you open the account, and it is verified against the national registry rather than by us eyeballing a photograph.
Whatever a payment costs is shown on the screen where you confirm it, before anything is charged. That is the only place a price is any use.
Swapova Ltd, a Nigerian company registered with the Corporate Affairs Commission under RC 7098405, at 20 Harrison Sholaja Street, Oshodi-Isolo, Lagos.
One app for the whole week.
