Money, the way doers actually move.
One premium app for everything money. For the hustlers, builders, traders and creators — pay anyone, save with intent, invest in dollars, build credit, and run your business without the friction.
Pulse score
78 Healthy
PadyVest
12.0% APY
What's inside
One app. The whole financial stack.
Ten products that work together so you stop juggling four apps and a notebook.
Pay
Send. Spend. Settle. In seconds.
- Instant transfers to any bank, 24/7
- Pay bills, airtime, data without leaving home
- Pay-by-QR — works for street, store, online
Finance
Savings, Invest, Rewards, Credit — one suite.
- PadyVest — lock goals at up to 12% APY
- Invest in dollar money-markets from ₦5k
- Earn rewards on every spend, redeem instantly
- Build credit, unlock instant credit lines
Pulse AI
Your money, narrated by an AI that gets you.
- A weekly Pulse score that's actually useful
- Nudges that move money for you, not at you
- Spot-and-fix insights before payday hits
Cards
Cards for life, work, and the internet.
One sleek matte-black metal card. Unlimited virtual cards. All controlled from a single tap.
- USD virtual cards — for ads, subs, freelancing
- Premium matte-black metal card, delivered to your door
- Freeze, fund, or burn in a tap
Freeze
1 tap
Limits
Per-card
Wallets
Apple · Google
For Business
Your bank, POS, payroll, tax, invoices and CFO. In one place.
Stop stitching together five tools and an accountant. Pady for Business gives you the full back office — with T+0 settlement and a Virtual CFO that actually reads your numbers.
Payments & POS
Get paid anywhere. Settle the same day.
Turn any phone into a checkout. Accept transfers, QR, and cards. T+0 settlement direct into your operating account.
- Mobile POS — no terminal needed
- Multi-account payouts
- Bulk payouts via CSV or API
People are talking
Loved by the people building their day-to-day.
I opened my account at 6am from my bus stop. Sent my first transfer before I got off at Obalende.
We process about ₦2M a week through Pady POS now. Reconciliation that used to take Saturdays takes ten minutes.
The USD card is the whole reason I switched. Ads, Adobe, Figma — all on one card. No more dollar hunting.
Payroll used to eat my Friday. Now it's two clicks and PAYE is already filed.
Settlement is genuinely T+0. I don't think about payouts anymore — they're just there.
The Pulse score makes me feel like I have a CFO in my pocket. I check it every Sunday.
Built for
Whoever you are, however you hustle.
Traders & SMEs
Get paid by QR, settle suppliers instantly, see today's number at a glance.
Creators & freelancers
USD + NGN balances, invoice clients, separate work money from life money.
Students & first-timers
Open without paperwork. Learn to save with goals. Spend with confidence.
What's coming
Our manifesto
1.4 billion adults still don't have a bank account. Most aren't unbanked by choice — they're unbanked by design.
Walk through Balogun Market in Lagos at 7am and you'll see the real economy: traders settling bales of fabric in cash, POS agents with three phones and a generator, drivers splitting fares on a notebook, students moving ₦5,000 home to Enugu and losing a slice of it to fees. Same hustle, same friction, same banks that never quite showed up.
Multiply that scene across Onitsha, Kano, Accra, Nairobi, Kampala, Dakar — and then across Jakarta, Karachi, São Paulo, Manila. Market traders, okada riders, hairdressers, gig workers, single-shop owners, students sending money home — the people who keep economies moving are the same people locked out of them.
Not by ambition, but by paperwork. By minimum balances. By 9-to-5 branch hours that ignore 9-to-9 lives. By fees that punish the people who can least afford to be punished.
For the underbanked, money already works the wrong way: it arrives late, leaves early, and costs a percentage to simply exist. A rejected card at the till. A transfer that takes three days. A POS machine that costs more than a month of rent. These aren't edge cases — they're the default from Lagos to London.
Pady is a different default. The branch is your phone. An ID is enough. Money moves the second you tap. We're starting where the need is loudest — Nigeria, then the rest of the continent — and building rails that work just as well in Lekki as in Lisbon.
- Access
Open in 60 seconds with what you already carry.
- Speed
24/7 instant rails. No cut-off times. No "pending".
- Dignity
No hidden fees. No minimum balance. No gatekeepers.
We're not building a better bank. We're building the first one a lot of people will ever have.
— The Pady team
Get started
Ready to move money like a doer?
Join 2,400+ on the waitlist. Be first in line when Pady opens its doors.