Financial Inclusion Through
Phrase-Based Payments
KoletMoni revolutionizes how Nigeria's 60% unbanked population accesses financial services. Create memorable payment phrases like "SchoolFees2024" instead of sharing complex account numbers. Secure, simple, and accessible to everyone.
Complete Financial Ecosystem
From basic phrase payments to premium analytics, KoletMoni offers a comprehensive suite of financial services designed for Nigeria's diverse population - from urban professionals to rural communities.
Smart Phrase System
Create memorable payment phrases with flexible options: basic (₦10), expiry-enabled (₦50), or recurring up to 10 times (₦100).
Digital Wallet
Secure digital wallet with instant funding from any Nigerian bank, virtual account services, and real-time balance updates.
Premium Analytics
Advanced phrase usage statistics, user behavior insights, and performance metrics for power users and businesses.
QR & Bill Payments
Generate QR codes for phrases, pay bills with ₦50 convenience fee, and enable offline transactions for businesses.
Bank Integration
Seamless transfers to any Nigerian bank account with competitive rates. Powered by Paystack for maximum reliability.
Business Solutions
Custom branded phrases (₦200), phrase bundles (₦80 for 10), and API access for merchant integrations.
Built for Every Nigerian
Whether you're a tech-savvy professional, a small business owner, or new to digital payments, KoletMoni adapts to your needs
Young Professionals
Ages 25-35, tech-savvy urbanites who value convenience and speed for peer-to-peer transfers and online shopping.
Business Owners
Small and medium enterprises seeking simple payment collection solutions with reliable tracking and lower costs.
First-Time Users
Unbanked and underbanked populations in rural and urban areas seeking their first digital payment solution.
Riding Nigeria's Fintech Wave
KoletMoni is positioned at the forefront of Nigeria's rapidly growing digital payments ecosystem, backed by strong regulatory support and market demand.
CBN Compliant
Fully licensed by the Central Bank of Nigeria with adherence to all regulatory requirements for financial services.
Market Opportunity
Projected to reach $40B by 2025 with 26% CAGR, representing massive growth potential for innovative solutions.
Proven Traction
500 pilot users with 92% positive feedback, validating product-market fit and readiness for scale.
Why Choose KoletMoni?
Built specifically for Nigeria's unique payment challenges with innovative solutions
Phrase-Based Payments
Made Simple
No more memorizing 10-digit account numbers. Create phrases like "SchoolFees2024" or "RentPayment" and share them instantly. Your customers will love the simplicity.
Bank-Grade Security
You Can Trust
Every phrase is protected with PIN verification and unique share codes. Your money is secured with the same encryption used by Nigerian banks.
Loved by Nigerians
See how KoletMoni is transforming payments for students, business owners, and families across Nigeria
Perfect for My Business
"My customers love sharing 'PayAdunni2000' instead of remembering my account number. Sales have increased 40% since I started using KoletMoni!"
So Simple My Grandma Uses It
"Finally, a payment app that doesn't confuse me! I created 'GrandmaBlessing500' and now my grandchildren can send me money easily."
Game Changer for Students
"I share 'ChimaSchoolFees' with my parents and they send money instantly. No more waiting for bank transfers or explaining account numbers!"
Join the Financial Revolution
Be Among the First!
- 500+ pilot users with 92% satisfaction
- Basic phrases: ₦10 | Expiry: ₦50 | Recurring: ₦100
- Digital wallet & bank transfers: Free forever
- Premium analytics: ₦200/month
Get Started
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