Every naira in your business, finally in one place.
Owoye is fintech infrastructure for Africa's WhatsApp, Instagram, and X "DM to order" sellers — the social-commerce vendors running real businesses across four banking apps, a spreadsheet, and their memory. We connect their accounts, send their invoices, chase their late payers, and put an AI assistant, Kara, right inside the chat app they already live in.
Running a business on WhatsApp, four bank apps, and memory
Africa's fastest-growing merchant segment isn't served by traditional SME banking or by invoicing software built for the US and EU. Their storefront is a chat thread. Their receipts are screenshots. Their cash flow is a guess.
Four apps, one memory
Sellers juggle GTBank, Access, Zenith, and mobile money — with no single, real-time view of what they actually have.
Invoicing that goes nowhere
No standard invoice, no automatic tracking of who's paid — just awkward WhatsApp follow-ups and unpaid DMs.
No books, no credit story
Without consolidated records, social-commerce vendors have no data trail to unlock credit, even as revenue grows.
One dashboard. Everything you're doing across five apps.
Owoye is fully built and live in pre-launch — not a pitch deck concept.
One real, consolidated cash position
Connect GTBank, Access, Zenith and more via Mono's open banking rails. Every transaction updates in real time and is automatically categorised — no more app-switching to know where the business stands.
No more awkward follow-up DMs
Send professional invoices straight from a chat-first workflow, track outstanding receivables automatically, and let Owoye flag — and follow up on — late payers before you have to ask.
Ask your business a question, get an instant answer
"Which clients pay late?" "What did I spend most on last quarter?" Kara lives right inside WhatsApp and answers directly from a vendor's own financial data — no dashboard required.
Kara, in her own words
Two short clips — what Kara does, and Kara actually doing it.
What Kara Can Do
Kara in Action — Live Demo
The mission
“40 million Nigerian SMEs generate almost half the country's GDP, and almost none of them have financial tooling built for how they actually sell — on WhatsApp, in DMs, across four bank apps. We're not building another dashboard for people who already have one. We're building the first one for people who've never had one.”
Fully built. Pre-launch. Ready to scale.
- Multi-bank aggregation live via Mono's open banking rails (GTBank, Access, Zenith, and more)
- Invoicing and automated late-payer follow-up shipped and functional
- Kara, the AI financial assistant, answering real financial questions inside WhatsApp
- Bank-grade security — 2FA, JWT with session versioning, NDPR-compliant data handling, built with CBN open banking guidelines in mind from day one
- Targeting Africa's 40M+ social-commerce vendors — a segment with no integrated financial tooling built for its context
Building the financial backbone for Africa's social-commerce economy.
We'd love to talk — to investors, partners, and early users alike.