About Kolet
Banking should work
for everyone.
Not just people
with data plans.
Every Nigerian with a phone already has WhatsApp. Most use it every day. So why does sending money still mean downloading a new app, creating another account, and remembering another password?
Founded
2026
Mission
Make banking as easy as sending a WhatsApp message, for every Nigerian, regardless of where they live or how tech-savvy they are.
How we work
Kolet is a non-custodial orchestrator. The bank holding your money is a licensed Nigerian wallet provider — regulated, audited, and insured. We handle the conversation. They handle the custody.
The best banking experience is the one you never have to leave WhatsApp for.
What we believe
Four things
we live by.
Transparent, always
Every fee shown before you confirm. No surprises, no hidden charges, no fine print that changes later.
Speed is respect
Transfers settle in seconds. Airtime is instant. We build for people who cannot afford to wait.
Security without friction
PIN-protected. BVN-verified. End-to-end encrypted. Banking-grade standards, WhatsApp-grade ease.
Every person counts
Every transfer sent, every bill paid, every person who never had to visit a bank. That is the mission.
Want to build with us?
Small team, big mission. If that sounds like your kind of thing, reach out.