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KoboVault — the first app, and the rail
Banking, transfers and bills. The account, the balance and the identity the rest of Kobo runs on.
The Kobo ecosystem
A superapp, starting with the wallet
Kobo is being built as one connected set of apps — commerce, messaging, mobility, energy, food. KoboVault is the first to launch, and it's the part all the others will run on.
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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.
Get KoboVault
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.
Why the wallet first
You can't build the rest without it
The order isn't arbitrary. Everything Kobo plans to do needs an account, an identity and a balance behind it.
Identity has to exist before anything can use it
A ride app that has to run its own BVN check is a second bank with extra steps. Verify once in Vault and every Kobo app inherits it.
Money is the hard part
Ledgers, limits, reversals and audit trails are where a superapp either holds up or falls over. Build that first and the rest is comparatively easy.
It has to be useful on its own
Vault is not a login screen for apps that don't exist yet. It's an account you'd want even if Kobo never shipped another thing.
One account, however many apps
Obinna pays his drivers, Funke takes catering deposits, Chuka collects five-a-side dues. When the rest of Kobo arrives, none of them signs up again — it’s the same account, the same verification and the same balance.
Start with the one that's here
KoboVault is live first. Everything else in Kobo will meet you inside it.
Coming soon toApp StoreGet it onGoogle Play