Banking built for doers.
Pady is launching soon. Open an account in 60 seconds — send money, pay bills, and accept payments. No bank branch required.
Instant transfers
Move money in seconds, 24/7. No waiting, no cut-off times — your cash, on your clock.
Mobile POS via QR
Turn any phone into a checkout. Generate a QR, get paid, see it land — instantly.
Virtual cards in seconds
Spin up cards for subscriptions, ads, or your team. Freeze, fund, or burn anytime.
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. Multiply that scene across Onitsha, Kano, Accra, Nairobi, Kampala, Dakar — and then across Jakarta, Karachi, São Paulo, Manila. Same hustle. Same friction. Same banks that never quite showed up.
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. Earning, saving, sending, and being paid shouldn't depend on a postcode, a payslip, or permission from a building you'll never walk into.
- 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