Modern money app for people and businesses.

Built for Nigeria, Kayi App delivers modern financial services through mobile apps, USSD access, reliable payment rails, and trusted human support so people and businesses can move money easily.

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CBN Licensed Regulated by the Central Bank of Nigeria - your money is protected
NDIC Insured Deposits insured by the NDIC so you move money with confidence
Anytime Access App, Web, USSD- access to your account, you are never locked out
Kayi customers using digital financial services
FOR INDIVIDUALS

Send, spend, and pay — all in one app.

Transfers, bill payments, debit card, and USSD — everything in Kayi App.

FOR BUSINESSES

Collect, pay, and track — all in one place.

POS devices, business accounts, and real-time transaction visibility — powered by Kayi App.

Products

Serving both individuals and business customers.

For Individuals

Daily Essentials

Simple, reliable money movement for everyday use.

  • Instant transfers to Nigerian bank accounts
  • Debit card support for online, ATM, and in-store spending
  • Bill payments with clear tracking and visibility
Transfers Cards Bill pay
Kayi app interface for sending, spending, and managing money
For Businesses

Merchants and SMBs

Tools to accept payments, manage transactions, and run daily operations.

  • POS devices with reliable transactions and settlement
  • Business accounts for collections and cash flow visibility
  • Debit cards for merchants and small businesses
POS Collections Operations
Kayi business payment tools and merchant services
Platform

Your money, your way — app, web, and USSD.

Kayi brings personal accounts, business payments, and human support into one reliable experience, built to work seamlessly across mobile, browser, and low-connectivity environments.

Digital Access

App, web, and USSD access for everyday account use and transaction visibility.

Payment Operations

Fast transfers, card payments, and collections for individuals and businesses.

Customer Support

Responsive human support that complements digital channels whenever you need help.

Trust & Reliability

Secure, transparent services built to work consistently across networks and locations, with compliance to CBN regulations and NDIC-insured deposits.

Kayi platform experience across app, web, and USSD
Start now

Open your account and move faster with Kayi.

Use the app, continue in the browser, or speak with support if you need help onboarding.

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