Chat, and the purse

The chat your group already has. With the money in it.

Messages, calls and status. Ajo rounds, paying each other, settling a trader, paying a bill. One app, one thread.

Join the waitlist

Android this September Desktop in October

Messages are end-to-end encrypted. Accounts are in your own name.

Sabon Gari Ajo Round 4 of 12 · 12 members

Hauwa Due today Round 4 is due today. I have paid mine. 09:02

Paid in 09:03

Hauwa paid in ₦12,000.00

8 of 12 paid · round closes today

Paid out 09:04

Round 4 paid out to Musa ₦144,000.00

Next round opens on the 1st. Aisha is next.

Chidi · trader 09:11

Order 2231 3 × Ankara, 6 yards ₦27,000.00

Settle

Bill receipt 09:14

Electricity · meter 4411 2098 ₦5,000.00

Token sent to the group. Paid by Musa.

no wahala. 09:15

Three things a group already does, now inside the thread.

Nothing new to learn. The chat is the chat. The money is a message.

Ajo rounds

Members pay in each round. One member receives that round, and the turn moves on.

Pay each other

Send money to a member in the thread. The group sees the message, not your figures elsewhere.

Settle a trader

The trader posts the order in the chat. You settle it there, and the receipt stays in the thread.

Already in the app

Everything is built. Nothing here is a plan.

Messages and calls

End-to-end encrypted chats, voice and video calls, groups. The conversation stays with the people in it.

Status

Share a moment with your groups. Anyone can reply on a status, and the reply lands in the chat.

The purse

Pay in by bank transfer, pay out to any Nigerian bank account. The balance sits in the member's own name.

Ajo rounds

Schedule, contributions, whose turn and the payout all run in the thread. Every member reads the same record.

Marketplace and orders

A trader posts, the group buys. Orders and returns are tracked in the chat where the sale happened.

Bills

Electricity, airtime and data go out from the purse. The receipt is posted straight to the thread.

Also on desktop, from October.

Built, not promised

End-to-end encryptedMessages and calls, on audited primitives. We cannot read the conversation.

In your own nameEvery purse is an account in the member's name at a licensed partner. Nowala never pools funds.

A ledger under every nairaDouble-entry, reconciled against the partner's records, so the thread and the money always agree.

Four partners, one interfacePayment partners integrated behind one abstraction, so no single rail is a point of failure.

Building since November 2025.

Right now, in the app

Updated —.

How a round works

Twelve members. Twelve rounds. Everyone sees the same thing.

STEP 1

Pay in on the due date

Each member pays in the agreed amount for the round. The thread records it as a message.

₦12,000.00 per member, per round

STEP 2

Everyone sees who has paid

The count updates in the group. No one has to ask, and no one keeps a separate book.

8 of 12 paid

STEP 3

The round pays out

Whose turn it is receives the round. The next turn is already set, so the group moves on.

Round 4 · to Musa ₦144,000.00

Plainly

Your money stays in your name.

We build the chat. The money moves between accounts that belong to the people in it.

The account is in the member's own name.

Every purse is opened in the member's own name at a licensed partner institution. It is theirs, not ours.

Nowala never pools or keeps funds.

Money moves from one member's purse to another's. It does not stop with us on the way.

Messages are end-to-end encrypted.

What the group says stays with the group. We cannot read the conversation.

Payments move through a CBN-licensed partner institution, which we are not permitted to name publicly.

Waitlist

Early access opens group by group. Bring yours.

Leave an email. We write once, when it is your group's turn.