Instant Transfers
Money that moves when you do.
Built on direct NIP rails with no internal batching. When Pady says sent, it's sent — Sunday at 2am included.
60s
to open an account
24/7
instant transfers
0₦
monthly fees
2,400+
on the waitlist
Bank-grade encryption Instant settlement NDIC insured up to ₦5M
Why it matters
The shortlist.
- ₦10 flat per outbound transfer — no tiers, no hidden FX
- Free for all incoming money, always
- 24/7 settlement, including weekends and public holidays
- Schedule one-off or recurring transfers in advance
- Built-in beneficiary book — save once, send forever
- International corridors to GHS, KES, USD, GBP (rolling out)
How it works
Live in minutes, not weeks.
01
Step 1
Pick a beneficiary
From your book, or paste an account number.
02
Step 2
Confirm with biometric
Face ID or fingerprint — no SMS OTP tax.
03
Step 3
Done in seconds
Receipt SMS to the recipient. Receipt in your app. Move on.
Features
Built like the rest of your stack.
Real-time settlement
Direct NIP integration, no overnight batching.
Cross-border (preview)
Send to Ghana, Kenya, the UK, and the US.
Scheduled & recurring
Rent, school fees, payroll — automate the boring.
Verified recipients
Name-check before you send. No more wrong-account panic.
Refund in one tap
Refund the last transfer in case of a fat-finger moment.
Receipt history
Every receipt, searchable, downloadable, for life.
Questions
Frequently asked.
Still curious? Visit the help center.
Get started
Ready to move money like a doer?
Join 2,400+ on the waitlist. Be first in line when Pady opens its doors.