Pitch deck
Your AI-powered financial companion
Starting in Nigeria. Built for the world.
The problem
01
Saving, spending, borrowing and investing choices pile up every day, with little trusted guidance.
02
Freelancers, traders and market sellers earn irregularly and have no formal credit history.
03
Fees, exchange-rate margins and fraud erode trust, especially when sending money abroad.
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Why Nigeria, why now
26%
of Nigerian adults were financially excluded in 2023.
$19.5B
sent home by Nigerians abroad in 2023, about 35% of all remittances to sub-Saharan Africa.
Sources: EFInA 2023 Access to Financial Services survey (via NAN) · World Bank (via Arise News)
03
Our solution
One app that helps people decide, automates the routine, and shows the true cost of every choice.
Plain-language answers with assumptions shown.
Routine money tasks run on reminders and plans.
Fewer decisions, with clear next steps.
Scam checks and honest labels build trust.
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Who we serve
Everyday tools to save, pay, send and learn.
Payday habits, goals and first investments.
Smooth irregular income with slow-day vaults.
Group saving, USSD access and local languages.
Track income and costs, and build a record that supports credit.
A personal co-pilot for planning and cash-flow decisions.
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Feature · MONIVA Intelligence
Ask in plain language: can I afford this, how much should I save, what if I save more.
Built-in calculators for goals, affordability and what-if plans.
Always states its assumptions and never promises returns.
Says “I can’t tell” when it has no data, instead of guessing.
Today: calculators and rule-based answers.
Next: personalised AI on the user’s own connected data.
Prototype screen
Can I afford a ₦200,000 laptop?
After buying, you would have ₦300,000 left, about 3.0 months of essentials. That meets the common 3–6 month cushion.
Assumptions: only the numbers you entered. I cannot see your real balances.
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Feature · Ajo circles
Digital ajo and esusu: everyone pays each round and one member takes the pot.
A clear record of who paid and who is next, so no one disappears with the pot.
A trust score from on-time payments that can later support credit readiness.
Prototype: keeps the record. Holding group money needs a licensed partner.
Market Women Ajo
Round 1 of 4
₦10,000 each · pot ₦40,000
1 · You
Paid
2 · Ada
Paid
3 · Tunde
Due
4 · Fatima
Due
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Feature · Send abroad
Compare the fee and the exchange-rate margin before sending.
Saved recipients in the UK, US, Canada and the Eurozone.
A Scam Shield check before every send.
Families abroad can request money in return.
| Option | Fee | They get |
|---|---|---|
| MONIVA | ₦1,500 | £77.77 |
| Bank wire | ₦10,000 | £71.19 |
| Cash agent | ₦3,750 | £75.46 |
₦150,000 sent to the UK. Illustrative sample figures from our prototype, not live quotes. Real transfers need a licensed provider.
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Feature · Save and autopilot
Named goals with a target date and a suggested monthly amount.
Payday nudges, bill set-asides and a forecast of planned savings.
Recurring bills, monthly total and due-soon warnings.
One clear suggestion at a time, so there is less to decide.
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Feature · Invest and learn
Paper-trade Nigerian and US stocks from naira, with buy and sell.
Charts with moving average and RSI, plus a portfolio health check.
MONIVA Academy: 12 lessons with quizzes, a glossary and a strategy lab.
Paper trading only. Results are hypothetical and never shown as real returns.
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Feature · Trust and access
Scam Shield checks before risky actions.
Honest labels on every feature: Demo, Connection required, Coming soon.
Never fakes balances, prices, news or payments.
ID numbers are never stored in the prototype.
USSD preview: works on any phone, without data.
English, Pidgin, Yorùbá, Hausa and Igbo (preview).
Tiered identity verification for higher limits.
Mobile-first design that works on small screens.
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Partnerships
Financial institutions can integrate MONIVA’s personalised assistant into their own platforms.
The co-pilot inside a partner app, through an API or SDK.
Vaults, ajo and learning modules under the partner’s brand.
Licensed providers listed with fees and risks shown plainly.
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Business model
| Revenue stream | How it works |
|---|---|
| Institution integration | Licence or integration fees from banks and fintechs. |
| Premium subscription | Optional advanced analysis and reports for individuals. |
| Business features | Income, invoice and cash-flow tools for freelancers and SMEs. |
| Referral partnerships | Clearly disclosed referrals to verified, licensed providers. |
| Provider fees | Fees on regulated services where lawful, shown upfront. |
Principle: core safety features, like Scam Shield, always stay free.
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Where we are today
A working, tested prototype of the full experience on web and mobile, with honest demo labels.
Pilot with real communities: traders, freelancers and ajo groups. Then a first partner institution.
Founder-led, through an existing audience of 6,000+ finance learners and community ajo groups.
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Roadmap
PHASE 1 · NOW
Polished, tested experience with honest demo data.
PHASE 2
Secure sign-in, live market data, alerts and AI on a user’s own data.
PHASE 3
Licensed partners for payments, identity checks and investing.
PHASE 4
Family and business products, more currencies and markets.
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What we are looking for
Pilot partners: communities and institutions
Licensed payment and identity partners
Mentors, advisors and early funding
Baeolah Dayo Abdullazeez, Founder · [Add your email and prototype link]