🇳🇬Qoyla · Nigeria

Calm money, in a salary-cycle country.

Rent due yearly, school fees termly, salary monthly, family always. Qoyla plans around how money actually moves in Nigeria, with NIP transfers and your own bank underneath.

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Built on the rails you already use

Your bank stays your bankWorks through Nigerian banks and licensed fintechs, funds never leave your accounts.NIP · BVN
Esusu and ajo, in the recordRun traditional circles with contributions and payouts everyone can trace.
Naija obligations, understoodAnnual rent, termly fees, NEPA and data, reserved before discretionary spend.

What it looks like here

Payday, planned

Salary lands; rent, fees and savings are reserved before the weekend can touch them.

Fraud pressure, answered

One tap freezes everything; unusual charges get decoded before you panic.

Idle naira, working

Money waiting for a date is matched to safe growth, matured to when you need it.

Through institutions you know

Qoyla reaches you inside partner banks’ apps or directly. Either way the rule holds: we read with your consent, propose with reasons, and move nothing without your yes, every action sealed in a record you can open.

Your money, clearer this month

Connect through your bank and see your first safe-to-spend in minutes.

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