Face or fingerprint
Unlock with the biometrics your phone already trusts. The app locks itself again the moment it goes idle.
Superapp
Your money,
organised.
A real account number the day you sign up. Transfers that land, every bill in one place, and an assistant that can tell you where the month actually went.
Coming soon toApp StoreGet it onGoogle Play
Traders, drivers, students, nurses.
Built for how Nigeria actually pays.
- 256-bit encryption
- Biometric unlock
- PIN on every payment
JavAI
“What did I spend on data?”
Who it's for
Everybody's money works differently
A trader taking payment at a stall and a student splitting a light bill need the same account to behave in two completely different ways. It does.
A day in the life
Watch it earn its place
Five people, five screens, five completely different Tuesdays.
What's insideEverything you actually
Everything you actually
do with money.
Not a wallet with a bank bolted on. One account that receives, sends, pays, splits and explains itself — each with a page of its own.
Bill paymentsPay it here.
Pay it here.
Keep the receipt.
Ibrahim buys prepaid tokens for the shop and the house in one sitting. The token lands in the app, not in a text message he has to go hunting for at 11pm.
9:41
Pay a bill
Airtime
Data
Light
Cable
School
Betting
Token delivered
Ikeja Electric · Meter 4512 8890 331
4471 8823 9014 5527
Copy token
Share receipt
Stories
One app, twenty different Fridays
The same account number behaves differently depending on whose hands it's in. Here is what that looks like.
Collects excursion money from forty parents into one account she can actually reconcile.
Takes a deposit on booking and the balance on delivery — both to the same number.
School fees, light bill, weekend airtime for her mum — one app, one evening.
In the wild
Twenty people. One account number.
Market traders, drivers, nurses, students, a caterer, a barber. Everyone below uses the same app for something completely different.
- AmakaFabric trader
- TundeRide-hail driver
- ChidinmaMedical student
- MusaDispatch rider
- IfeomaPharmacist
- SegunSoftware engineer
- NgoziSecondary school teacher
- BolaBarber
- EmekaPhone accessories seller
- HalimaNurse
- KelechiPoultry farmer
- YemiHair stylist
- AishaUndergraduate
- ObinnaLogistics coordinator
- FunkeCaterer
- IbrahimProvisions shop owner
- ZainabBank-free saver
- ChukaFootball coach
- TemiGraphic designer
- DamilolaMother of two
- BlessingTailor
- SadiqMechanic
- ChiomaEvent planner
- FemiMusic producer
- RukayatFood vendor
- EkeneKeke rider
- GraceRetired civil servant
- AbdulUniversity lecturer
- NnekaFashion designer
- TobiContent creator
- MaryamPharmacy student
- PeterEstate manager
Security
Locked down by default
Not a settings page you have to go and find. The protections are on from the first sign-in, and you can see exactly what they are.
A PIN on every payment
Money never moves on a tap alone. Every transfer and every bill is authorised with your transaction PIN.
Devices you can see
Every signed-in device and session is listed in your Security Centre, and you can revoke any of them from anywhere.
Encrypted, logged, auditable
Traffic is protected with 256-bit encryption, and every action on your account is written to an audit trail.
Account tiers
Verify more, move more
Start the moment you sign up and raise your limits whenever you need to. These are the real limits the app enforces, not a marketing table.
Tier 0
The moment you sign up
- Daily transfers
- ₦10,000
- Balance limit
- ₦20,000
Email and phone number
Enough to try it properly — send a little, pay a bill, see how it behaves.
Takes about 2 minutes
Tier 1
Basic
- Daily transfers
- ₦50,000
- Balance limit
- ₦300,000
BVN or NIN, plus your date of birth
The everyday tier. Covers airtime, bills, and most day-to-day transfers.
Takes about 5 minutes
Tier 2
Standard
- Daily transfers
- ₦300,000
- Balance limit
- ₦1,000,000
Both BVN and NIN on file
For a business taking real money through the account.
Takes about 5 minutes
Tier 3
FullFull
- Daily transfers
- ₦5,000,000
- Balance limit
- No cap
Government ID and a live selfie
No balance ceiling, and the highest daily limit the app offers.
Takes about 10 minutes
Daily transfer limits are cumulative across a calendar day. Limits and verification requirements may change as regulations do.
9:41
Rewards
Earned so far
₦6,450
5-day streak · check in to keep it
Your referral code
AMAKA24Copy
Check in today
Rewards
Paid in naira, not points
Emeka sells airtime on top of phone accessories. His referral code has paid for more stock than any loyalty scheme ever did — because it pays in money, into the same balance.
- A daily check-in streak that rewards turning up, not spending
- A referral code that pays both of you, in naira
- Earnings land in your balance — spend them on a bill the same evening
The Kobo ecosystem
One wallet. A whole superapp behind it.
Kobo is being built as one connected set of apps. KoboVault is the first of them, and it is the part everything else will run on — the account, the identity and the balance.
Live now
KoboVault — the first app, and the rail
Banking, transfers and bills. The account, the balance and the identity the rest of Kobo runs on.
One account, not seven
Verify once with KoboVault and you are verified across everything Kobo builds. No second sign-up, no second BVN check, no second set of limits.
One balance behind all of it
A ride, a meter token and a plate of food all come out of the same money — and land in the same activity list, with the same receipts.
One place it all shows up
Whatever you spend it on, it is one history you can search, one statement you can export, and one assistant that can explain it.
On the way
Not built yet — but next
When these ship they’ll appear on this site as things that exist, with their own page, like everything else here.
The full roadmap- Virtual cards
- Physical cards
- Savings
- Investments
- Lending
- Business banking
Questions
The things people actually ask
If it isn't here, write to us — a person answers.
KoboVault is a digital banking app. Customer funds are held by a licensed financial institution, and the details of that arrangement are published in full before accounts open to the public.
Open an account in minutes
Email and a phone number gets you started. Add your BVN or NIN when you're ready to move more.
Coming soon toApp StoreGet it onGoogle Play
By creating an account you agree to KoboVault’s Terms & Conditions and Privacy Policy.