We're building the simplest way to bank in Nigeria.

Every Nigerian with a phone already has WhatsApp. Most of them already use it every day. So why does sending money still mean downloading a new app, creating a new account, and remembering another password?

What we believe

Banking should meet you where you are. For Nigerians, that's a chat window. Kolet is a payment orchestrator that connects WhatsApp to licensed wallet providers, lets you transact through ordinary conversation, and disappears into the background of your day.

How we're built

We're a non-custodial orchestrator. That means the bank that actually holds your money is a licensed Nigerian wallet provider — regulated, audited, and insured. We sit between you and them, making the experience effortless: a chat replaces a form, a tap replaces a password, a receipt arrives the moment a transfer settles.

Security is the product

Every transaction is PIN-protected. Every identifier (BVN, NIN) is encrypted at rest with keys we rotate. Every conversation between your WhatsApp and our servers is end-to-end encrypted using Meta's Flows protocol. We never see your PIN in plaintext; we never share your identity data with third parties beyond your wallet provider.

What's next

We're launching in Nigeria first. After that — wherever WhatsApp is the default way people communicate. If that sounds like a place you live, we'd love to hear from you.