Overview

Here’s what’s happening with your money today.

Total wallet balance

₦ 0.00

Demo walletIllustrative balance

Quick actions

Everything in a tap

Smart next steps

Based on how you have set up this demo

Your money at a glance

Real, demo and simulated amounts kept apart

Upcoming bills

Spending overview

Illustrative shape only, not your data

₦ 0.00No transactions yet

MonTueWedThuFriSatSun

Recent activity

Your virtual card

MONIVA

•••• •••• •••• 2048

CARD HOLDERMONIVA MEMBER

VALID THRU•• / ••

VISA

Virtual cardReady for the demo

Preview only

Stocks watchlist

Presentation prototype
This build demonstrates the product experience. Wallet funding, transfers, bill payments and card issuance are not connected to live financial providers.

MONIVA is a product prototype. Market prices are indicative and may be delayed.

Transfers

Move money with a simple, clear transfer flow.

Demo mode

↗

Bank transfer

Preview a local bank transfer flow, from beneficiary details to confirmation.

⇄

Send abroad

Support family and friends in the diaspora, with fees and rates shown clearly.

＋

Add money

See how wallet funding can be presented before a payment partner is connected.

Transfer history

No records

No transfers to show yet.
Live transactions will appear here after a licensed payment provider is integrated.

Pay bills

Everyday payments, organised in one place.

Demo mode

▤

Airtime & data

Preview mobile top-ups across supported Nigerian networks.

ϟ

Electricity

Electricity bill flow with provider, meter type and customer reference.

▣

TV subscriptions

Manage subscription payments from a single screen.

⌁

Internet & other bills

Organise recurring services with a clean payment experience.

Bills radar

Recurring bills you enter yourself

₦0per month

Reminders show when you open MONIVA. Push notifications before due dates need a notification service.

Virtual cards

Card controls and online payment tools — designed for your wallet.

MONIVA

•••• •••• •••• 2048

CARD HOLDERMONIVA MEMBER

VALID THRU•• / ••

VISA

MONIVA / DIGITAL✦

•••• •••• •••• 7316

CARD HOLDERMONIVA MEMBER

VALID THRU•• / ••

VISA

Card controls

Preview only

Freeze or unfreeze cardPause card usage instantly

₦

Spending limitsSet daily or monthly limits

⌁

Card detailsSecure card information view

Card designs are illustrative. No real card number is issued, and card controls do not affect any payment instrument.

Ajo circles

Save together with people you trust. Everyone contributes each round and one person takes the pot.

Demo mode. MONIVA does not hold group money in this prototype. A live version needs a licensed partner to keep contributions safe, plus identity checks on every member. Only join circles with people you personally know.

How an ajo circle works

Demo

1A group agrees on an amount and how often to pay (weekly or monthly).

2Everyone pays in each round, and the whole pot goes to one member in turn.

3By the end, every member has received the pot once.

4MONIVA keeps the record: who paid, who is next, and each member's trust score.

Send money abroad

Support family and friends in the diaspora, with the true cost shown before you send.

Connection required

Compare and estimate

Sample rates · not live · estimates only

You send (₦)

They receive in

These providers and figures are illustrative assumptions that show how a fair comparison works. Real comparisons need live quotes from verified, licensed providers. MONIVA does not currently move money abroad.

Your people abroad

Saved recipients

⇄

Receive from abroad

Ask someone overseas to send you money. Share a friendly request with them.

⌁

Rate watch

30-day sample history for the selected currency. Illustrative, not real history.

MONIVA Intelligence

Your money co-pilot: ask a question or use a calculator. It tells you its assumptions.

Rules-based · Demo

This co-pilot uses fixed rules and only the information you enter or add in this demo. It has no access to bank accounts, never guarantees returns, and does not give personal financial advice.

MONIVA Academy

Short lessons and quizzes on money, investing and staying safe.

Your progress

▥

Paper trading

Practise with simulated money before real decisions. All results are hypothetical.

⚖

Strategy lab

Compare lump-sum and regular investing on sample prices.

More from MONIVA

What is working today, what needs a provider, and what is coming next.

👪

Family & shared goals

Save together toward a shared goal with clear permissions. Ajo circles are the first step.

Coming soon

✔

Verified marketplace

A curated list of licensed providers, with regulator details, fees and risks shown plainly. Listings are verified before they appear.

Coming soon

▤

MONIVA for Business

Income tracking, invoices and cash-flow forecasts for freelancers and small businesses.

Coming soon

◈

Crypto markets

Not part of this version. Crypto fundamentals are covered in the Academy with risks first.

Not planned yet

Feature status

Honest labels for every feature

Roadmap

Phase 1 · Polished prototypeNow

Phase 2 · Connected services (login, live market data, alerts)Next

Phase 3 · Approved financial services (licensed partners, KYC)Later

Phase 4 · Intelligence and expansionLater

Stocks

Explore companies, build a watchlist and practise with paper money.

Sample prices

Markets

Sample prices · not live quotes

Prices are illustrative samples, not live quotes or recommendations. Brokerage access and trade execution are not connected. “Invest” places a simulated paper trade only.

₦

Naira to stocks, one flow

Enter an amount in naira and see the converted value and fractional shares before you confirm.

▥

Your paper portfolio

See everything you have paper-traded, with portfolio health indicators.

Invest

Explore markets and practise investing, all in one place.

Paper trading

▥

Stocks

Explore companies on global and Nigerian exchanges.

₦

Naira to US stocks

Convert naira and buy fractional shares of global companies in one flow.

⚖

Strategy lab

Compare lump-sum and regular investing on sample prices.

✎

Learn first

Short lessons on risk, diversification and technical analysis.

Your paper portfolio

Simulated · sample prices

Simulated

Investing involves risk, including loss of capital. Paper-trading results are hypothetical and are not real returns. No brokerage or investment provider is connected.

Save

Set targets, build habits and let reminders keep you on track.

Your savings vaults

One vault per goal

Local demo

Autopilot money

Reminders and forecasts. No automatic transfers.

Demo

More ways to save

Preview

Round-ups

Round each spend up to the nearest ₦100 and save the change.

Ajo circles

Save in a group with people you trust.

Instant credit

See how ready your profile is. Not a loan offer.

This is a savings-planning interface only. It does not hold deposits, pay interest or move real money.

Activity

Everything you do in this demo, in one place.

Every record here is simulated. Nothing is shown as successful money movement, because no payment provider is connected.

Profile & settings

Manage your account preferences, safety and privacy.

◎

Personal information

Profile details, contact information and identity verification status.

✓

Identity verification

BVN, NIN and selfie checks to unlock higher limits. 0/3 verified

🛡

Scam Shield

Red flags to watch for, safe next steps and what to do if something goes wrong.

♢

Security & privacy

Sign-in options, devices and sessions, and privacy controls.

◉

Notifications

Choose how payment updates and account alerts could be delivered.

⇄

Connected accounts

Banks, brokers and card partners. Each needs a licensed provider.

Aa

Language

English, Pidgin, Yorùbá, Hausa and Igbo. English

¤

Currency preference

Your default foreign currency for estimates. USD

☎

Works offline (USSD)

Preview how MONIVA can work on any phone, without data.

§

Legal & risk

Terms, privacy policy and risk disclosures.

✦

More from MONIVA

Feature status, roadmap and what is coming next.

?

Help & support

Find assistance with your MONIVA account.

⇩

Your data

Export or delete the demo data stored in this browser.