Send money
Sent to Sarah
The money app for doers
Money that moves as fast as you do.
One premium app for everything money. For the hustlers, builders, traders and creators — pay anyone, save with intent, invest in dollars, build credit, and run your business without the friction.
Secure by design· Built for the future· 24/7 support
PadyVest
8.5% APY earned
For creators
New tip: ₦5,000
Pulse AI
Spending insight
For business
Invoice #892 paid
For diaspora
Transfer sent
Pay bills
Electricity due in 2d
Cards
Card active
Invest
+12.4% ROI
For students
Cashback earned
Credit line
Limit increased
Send money
Sent to Sarah
PadyVest
8.5% APY earned
For creators
New tip: ₦5,000
Pulse AI
Spending insight
For business
Invoice #892 paid
For diaspora
Transfer sent
Pay bills
Electricity due in 2d
Cards
Card active
Invest
+12.4% ROI
For students
Cashback earned
Credit line
Limit increased
60s
Average account opening
24/7
Real-time transfers
18%
Top savings yield
T+0
Instant settlement
The Pady stack
Designed for the way you move money.
Four interlocking suites — Pay, Finance, Pulse AI and Cards — engineered as one premium app.
PaySend. Spend. Settle. In seconds.
Move money the way real life moves — instant, everywhere, in any currency.
- Instant transfers to any bank, 24/7
- Bills, airtime, data in one screen
- Pay-by-QR — street, store, online
Explore payments
FinanceSave, invest, earn — one suite.
PadyVest, dollar money-markets, rewards and instant credit lines — all interlocked.
- PadyVest — lock goals at up to 12% APY
- Invest in dollar money-markets from ₦5k
- Rewards on every spend, redeem instantly
See finance
Pulse AIYour money, narrated.
A weekly Pulse score with one-tap moves — not another dashboard to babysit.
- A weekly Pulse score that's actually useful
- Nudges that move money for you, not at you
- Spot-and-fix insights before payday hits
Meet Pulse AI
CardsCards for life, work, and the internet.
One matte-black metal card. Unlimited USD virtuals. Controlled from a single tap.
- USD virtual cards for ads, subs, freelancing
- Premium matte-black metal card, at your door
- Freeze, fund, or burn in a tap
Order your card
For Business
Your bank, POS, payroll, tax, invoices and CFO. In one place.
Stop stitching together five tools and an accountant. Pady for Business gives you the full back office — with T+0 settlement and a Virtual CFO that actually reads your numbers.
Payments & POS
Get paid anywhere. Settle the same day.
Turn any phone into a checkout. Accept transfers, QR, and cards. T+0 settlement direct into your operating account.
- Mobile POS — no terminal needed
- Multi-account payouts
- Bulk payouts via CSV or API
Mobile POS
Banking
Payouts
Payroll
Cards
Tax
Reports
Built for
Whoever you are, however you hustle.
SMB
Traders & SMEs grow faster with Pady
Run your business from one dashboard — accept payments, track sales, and settle in real time.
- POS & QR payments with instant settlement
- Business account, invoicing & expense tracking
- Multi-user access with role permissions
Creators
Creators & freelancers get paid on their terms
Invoice clients globally, spend in dollars, and never miss a payment — no matter where you work.
- USD virtual cards for ads, subs & software
- Payment links & invoices in any currency
- Auto-savings pots for tax and gear
Students
Students & first-timers start money right
Open an account in minutes, budget easily, and build smart money habits from day one.
- Student-friendly account with zero hidden fees
- Goal-based savings & spending nudges
- Instant transfers to anyone, anytime
Diaspora
Diaspora & families stay close to home
Send money home, pay family bills, and keep everyone connected without the usual friction.
- Fast transfers to Nigerian banks & wallets
- Pay bills, school fees & subscriptions
- Family accounts with transparent tracking
What's coming
Programmatic payments
Open banking APIs
Business registration
Compliance management
Automated tax filing
Embedded credit
Group savings (Ajo)
Smart escrow
Cross-border FX
BNPL for SMEs
Cardless ATM withdrawals
Voice payments
Company secretarial
Programmatic payments
Open banking APIs
Business registration
Compliance management
Automated tax filing
Embedded credit
Group savings (Ajo)
Smart escrow
Cross-border FX
BNPL for SMEs
Cardless ATM withdrawals
Voice payments
Company secretarial
Get started
Ready to move money like a doer?
Join 2,400+ on the waitlist. Be first in line when Pady opens its doors.