Every feature you need to run the money side of your life.
Ten interlocking product suites — pay, save, invest, build credit, and run your business — designed as one premium app. Here's the deep tour.
The four pillars
One app. Four powerful surfaces that talk to each other.
Every feature lives inside one of these four suites — and every suite pulls data from the others. That's why Pady feels like one product, not ten.
Pay & get paid
Move money the way real life moves — instant, everywhere, in any currency.
Instant transfers
24/7 to any Nigerian bank in under two seconds. Zero-fee to Pady friends, always.
Pay-by-QR
Street stall to storefront to online. One code, one tap, done.
Bills, airtime & data
Every provider, one screen. Set-and-forget recurring bills with smart reminders.
International rails
Receive from 30+ countries. USD, GBP, EUR balances that settle to naira on your terms.
Save, invest & grow
A whole wealth stack under one roof — for the goal-setters and the compounders.
PadyVest goals
Lock savings from 30 days to 12 months at up to 12% APY. Break early if life demands it.
Dollar money markets
Invest in USD-denominated instruments from ₦5,000. Hedge naira with a tap.
Auto-invest
Round-ups, split-deposits and payday rules. Wealth on autopilot, monitored weekly.
Rewards on everything
Earn on every card swipe, transfer and bill. Redeem instantly — no points math.
Credit & cards
Build a real credit story. Spend with cards designed for life, work and the internet.
Instant credit lines
Get pre-approved in 60 seconds. Draw only what you use, pay only for what you draw.
Metal & virtual cards
One matte-black metal card. Unlimited USD virtual cards for ads, subs and freelancing.
Live credit score
A Pady score updated daily. Coaching tips that actually move the needle.
Per-card controls
Freeze, fund, burn or set merchant locks in a single tap. Wallets on Apple & Google.
Run your business
The whole back office — POS, payroll, tax, invoices and a Virtual CFO — in one login.
POS & payment links
Accept card, bank, USSD and QR. T+0 settlement to your Pady account.
Payroll & benefits
Pay staff on a schedule, file PAYE, and offer health cover — from one screen.
Invoices & receipts
Branded invoices, automated reminders, reconciled to your bank in real time.
Tax filing & books
PAYE, VAT and CIT prepared quarterly. Books that don't need a Saturday clean-up.
Pulse AI
An intelligence layer that turns transactions into decisions.
Every Pady feature is watched — quietly, respectfully — by Pulse. It ranks what to fix, forecasts what's coming, and offers one-tap moves instead of noisy alerts.
Pulse AI weekly score
A single number that captures your money health, with plain-English reasoning behind every move.
Nudges that move money
Sweep idle balances to PadyVest, split payday, or pause a subscription — one-tap actions, not passive alerts.
Cashflow forecast
See the next 30 days before they arrive. Spot shortfalls a week early, cover them without a scramble.
Personal & business reports
Beautifully rendered monthly PDFs. Segmented spend, category insights, tax-ready exports.
Under the hood
Built on rails you can trust.
The unsexy foundations that make every Pady feature feel effortless.
Bank-grade security
TLS 1.3, AES-256, biometrics, device binding. Your money paused the moment something looks off.
Real-time, 24/7
Transfers, settlements, notifications — no cut-off times, no batch windows, no waiting.
Multi-currency by default
Hold, spend and receive NGN, USD, GBP and EUR from the same account, same app.
Human support
Real people, in-app, around the clock. Under 3-minute median response time.
Why one app
The four-apps-and-a-notebook problem, solved.
Without Pady
- A bank for transfers, another for USD
- A savings app that never talks to your bank
- A separate POS terminal and settlement lag
- A spreadsheet for payroll and PAYE
- A different app for invoices — and reminders
- No single view of your money
With Pady
- One account for NGN, USD, GBP, EUR
- Savings and invest woven into every payday
- POS with T+0 settlement to the same balance
- Payroll, PAYE and benefits in two clicks
- Invoices that reconcile themselves
- Pulse AI: one score, one plan, one place
Ready to move money the Pady way?
Open an account in 60 seconds. Every feature above, one login, one premium app.