Send & receive01
Transfers
P2P transfers via phone number, or to any Nigerian bank account. Confirm with a single word — settles in seconds via Fincra and Providus rails.
Live in production→
Our products
One bank. Two ways to grow.
Banking that lives in your chat thread.
Credafi Finances turns WhatsApp into your full bank. Credafi Business finances the assets and inventory that grow your income.
01 · Credafi Finances
Banking, inside one chat thread.
Six features. One WhatsApp number. No app, no USSD, no queues.
Airtime · DISCO · Data · Cable02
Bills
Top up MTN, Airtel, Glo, 9mobile. Buy electricity tokens from IKEDC, EKEDC, AEDC, PHED. Pay DSTV, GOtv, Startimes. All from chat.
Live in production→
₦50,000 – ₦5,000,00003
Loans
7, 14, 30, 60, or 90 day loans. Credafi's internal eligibility check is built from your BVN, wallet behavior, and repayment history. Approval in under two minutes.
Live in production→
Claude-powered04
AI Brain
Multi-turn conversation memory, intent parsing, and follow-up questions. Speaks Nigerian: 'abeg send 50k to my brother' works.
Live in production→
Send anything05
Voice & Image
Send a voice note in Yoruba or Igbo — we transcribe and act. Snap a meter or invoice — we read it and pay.
Live in production→
Real-time scoring06
Fraud Shield
ML risk model on every transaction. Pattern detection for social-engineering scams. Block, review, or allow — automatically.
Live in production→
02 · Credafi Business
Capital for the people who drive Nigeria forward.
Finance the wheels you earn with — and the inventory you sell.
Credafi Logistics · Asset finance
Rent2Own
Own the car, bike, or logistics asset that powers your earnings. Affordable monthly payments, insurance, and mechanic support included.
Working capital · ₦100k – ₦12M
CredafiSMEs
Inventory and growth capital for traders and small businesses — fast, collateral-free, built around real sales data, not paperwork.
Built for Nigeria, end to end.
BVN and NIN via Prembly and Dojah. Payouts via Fincra and Providus. Bills via VTPass. Naira-first. Pidgin-friendly.
- CBN-licensed partner
- BVN + NIN verified
- Naira-only wallet
- Pidgin & 5 languages
- Voice + image input
- 99.97% uptime
Try a command right now
Pick a line, and we'll open WhatsApp with the command pre-filled.
Send ₦5,000 to 08012345678
Recharge 08012345678 with ₦500
Pay IKEDC ₦3,000 meter 12345678901
I need a loan of ₦100,000 for 30 days
Balance