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. Plus enjoy seamless bill payments, QR transfers, and comprehensive financial services - all in one secure app.
Complete Financial Ecosystem
From phrase-based payments to comprehensive bill payments, QR transfers, virtual accounts, and premium analytics - KoletMoni offers everything you need for modern financial life in Nigeria. All services integrated seamlessly in one secure app.
Smart Phrase System
Create memorable payment phrases with flexible options: basic phrases, expiry-enabled phrases, or recurring phrases. Share via WhatsApp, SMS, or any messaging platform.
Digital Wallet & Virtual Accounts
Secure digital wallet with instant funding, dedicated virtual accounts, BVN verification, and seamless bank transfers to any Nigerian bank account.
Premium Analytics
Advanced phrase usage statistics, user behavior insights, and performance metrics for power users and businesses.
QR Cash & Bill Payments
Generate QR codes for instant cash transfers, pay for airtime, data, electricity, cable TV (DStv, GOtv, Startimes), and all major Nigerian services.
Comprehensive Bill Payment Services
Bank Integration
Seamless transfers to any Nigerian bank account with competitive rates. Powered by Paystack for maximum reliability.
Business Solutions
Custom branded phrases, phrase bundles, and API access for merchant integrations.
Advanced Features & Benefits
Referral Rewards
Earn rewards by referring friends. Share your unique code and grow your network while earning together.
Biometric Security
Secure your account with fingerprint and face recognition. Your biometric data stays on your device.
Virtual Accounts
Get dedicated virtual account numbers for seamless funding and automated transaction processing.
Transaction Analytics
Track your spending patterns, view detailed transaction history, and manage your finances effectively.
How KoletMoni Works
Transform how you send and receive money with our simple phrase-based payment system. No more sharing complex account numbers!
Create Your Phrase
Open KoletMoni app and create a memorable phrase like "SchoolFees2024" or "RentPayment". Set the amount and secure it with your PIN.
Share Your Phrase
Share your phrase via WhatsApp, SMS, or tell it to anyone who needs to pay you. No need to share account numbers anymore!
They Pay Using Phrase
The payer opens their KoletMoni app, enters your phrase, confirms the amount, and sends the payment instantly.
Receive Money Instantly
Money appears in your KoletMoni wallet immediately. Get instant notifications and withdraw to your bank account anytime.
Real Example
See how easy it is to request payment for school fees
No More Account Numbers
Forget complex 10-digit account numbers. Use simple, memorable phrases that everyone can understand and remember.
PIN Protected
Every phrase is secured with your personal PIN. Only you can access the money, ensuring complete security.
Works Everywhere
Share phrases via any messaging app, social media, or even tell them verbally. Works on any smartphone with internet.
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, expiry phrases, and recurring phrases available
- Digital wallet & bank transfers available
- Premium analytics available
Company
Get Started
