KOPO Wallet

KOPO is a next-generation financial super app that merges traditional banking, crypto custody, smart financial automation, and community-driven tools all in one secure platform. It is designed for the everyday African user and global diaspora, enabling multi-currency use, savings, remittance, and business finance with ease and trust. KOPO is a financial super app built around the idea that most people juggle four or five different tools to manage their money - a bank app, a crypto wallet, a WhatsApp group running an informal savings circle, and a spreadsheet for budgeting. KOPO consolidates all of it into one wallet. The core app holds Naira, Dollars, Bitcoin, Ethereum and Tether in one balance, with instant transfers, bill payments, virtual and physical cards, scheduled payments, and split bills. Beyond the basics, it includes Family Wallets for shared household spending, a Business Wallet with invoicing and payroll, and an Investment Hub covering treasury bills, mutual funds, stocks, gold and dollar savings. Its defining feature is Àjọ - a digital rotating savings circle, the mechanic behind informal group savings across West Africa, rebuilt as an automated, disputes-protected product feature. That same primitive is exposed externally as a Collections API, letting other developers build group-payment flows that don't exist on any other payments platform, including Paystack, Flutterwave, or Stripe. An AI Coach reads spending and goals to surface contextual insight ("you spent 28% more on Food this week") instead of a dashboard nobody checks.