Product roadmap

Our journey to better money, for everyone

Openness matters to us. See what's live, what we're building now and what comes next

6
Milestones live
2
In development
29
Features live
35%
Progress

Currently building

Global money

Q4 2026
Progress60%

Live

6 milestones
Live

Mobile & web apps

Pady on your phone and in your browser

  • iOS app
  • Android app
  • Web app
Explore
Live

Everyday payments

Send, split and schedule money with ease

  • Instant transfers
  • Split a bill
  • Split groups
  • Recurring transfers
  • Auto-pay
Explore
Live

Bills & utilities

Pay for the essentials in seconds

  • Airtime & data
  • Electricity
  • Cable TV
  • Education: WAEC, JAMB, NECO
  • Insurance
  • Betting top-ups
Explore
Live

Savings & investing

Grow your money from ₦1,000

  • PadyLock: up to 12% a year
  • PadyVest
  • Fractional NGX & US stocks
  • Treasury bills, bonds & funds
  • Start from ₦1,000
Explore
Live

Business hub

Run your business finances in one place

  • POS & settlement
  • Invoices
  • Payroll
  • Tax: VAT, PAYE, CIT
  • Reports & Virtual CFO
  • Business workspace
Explore
Live

Protection & insight

Buy safely and understand your money

  • BuyerShield escrow
  • Smart budgets
  • Pulse insights
  • Referrals
Explore

In progress

2 milestones
Q4 2026

Global money

Hold, move and convert money across borders

Active development
  • Multi-currency accounts
  • Cross-border payments
  • FX & treasury
60%
Explore
Q4 2026

Pady Cards

Virtual and physical cards in USD and NGN

Active development
  • Virtual & physical cards
  • USD & NGN
  • Freeze, unfreeze & limits
75%
Explore

Planned

6 milestones
Q1 2027

Rewards

Spend smarter and earn back

  • Cashback on bills: 0.5–2%
  • Pady Perks partner discounts
Explore
Q1 2027

Credit

Get cash now and pay over time

  • Quick Loan
  • Buy now, pay later
Explore
Q1 2027

Water bills

One more essential, paid in the app

  • Water bill payments
Explore
Q1 2027

WhatsApp payments

Pay and send money right from a chat

  • Send money on WhatsApp
  • Pay bills from a chat
Explore
Q2 2027

Business setup & compliance

Start and stay compliant with less paperwork

  • Business registration
  • Compliance management
  • Automated tax filing
  • Company secretarial
Explore
Q2 2027

Group savings & smart escrow

Save together and trade with confidence

  • Group savings (Ajo)
  • Smart escrow
Explore

Considering

3 milestones
H2 2027

Developer platform

Build with Pady payments

  • Programmatic payments
  • Open banking APIs
Explore
H2 2027

Embedded credit for SMEs

Financing built into the way businesses pay

  • Embedded credit
  • BNPL for SMEs
Explore
H2 2027

New ways to pay

Cash and payments without the card

  • Cardless ATM withdrawals
  • Voice payments
Explore

Timeframes are estimates and may change. Availability depends on your location, account and our banking partners

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