Move money your way via
- wallet send
- payment links
- bank deposit
DEPOSIT, SEND, WITHDRAW & EXCHANGE FROM ONE DASHBOARD
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Start making money moves with Kudi
One wallet for sending money, daily savings, airtime, virtual cards, merchant payments, and cash services through a verified agent network.
POWERED BY MONNIFY, PAYSTACK & TRUSTED PAYMENT PARTNERS
Top up airtime & data from your wallet
INSTANT MOBILE RECHARGE FOR YOU, MERCHANTS & AGENTS
Save & grow
- daily thrift
- fixed deposit
- agent cash-in
DAILY SAVINGS FROM ₦100 · WEEKLY INTEREST · USSD BALANCE CHECK
Scan to open your wallet
QR payments
Scan. Pay. Save.
One code for agent cash-out, daily thrift deposits and merchant checkout — no extra apps.
- Agent cash-out
- Thrift deposits
- Merchant checkout
Everything Kudi offers today
Multi-currency wallet
Deposit, send, request, withdraw and exchange across supported currencies.
NIN & BVN verification
Verify identity with Monnify or Paystack and unlock your dedicated bank account.
Daily Thrift
Choose your daily amount from ₦100, earn interest, fund via wallet, bank or agent, and check balance by USSD.
SafeLock
Lock funds in fixed deposit plans and receive scheduled interest payouts.
Virtual cards
Issue, top up and spend online with configurable card controls.
Merchant tools
Hosted checkout, REST API and payment links to accept wallet and gateway payments.
P2P marketplace
Trade crypto, fiat and gift cards with escrow-protected peer ads and disputes.
Payment links
Create a shareable link and collect from any wallet or supported gateway.
Agent network
Verified agents handle cash-in, QR cash-out and daily thrift deposits near you.
Vouchers
Create redeemable vouchers with PIN or secret question — copy, print or send by SMS.
Gift cards
Design wallet-funded gift cards with email delivery and a public preview page.
Gift card marketplace
Buy and sell third-party gift cards with API verification and graded pricing.
Mobile recharge
Buy airtime and data bundles for any network in seconds.
Referral rewards
Share your link, grow your tree and earn when friends join and transact.
Built for trust on Kudi with KYC, PIN, 2FA & full audit trails
Frequently asked questions
How Kudi works for wallets, savings, merchants and agents.
How does Kudi work?
Sign up, verify your phone and complete NIN/BVN identity checks. Fund your wallet by bank transfer or payment gateway, then send money, save with Daily Thrift, recharge airtime, trade on P2P, or pay merchants — all from one dashboard.
What is Daily Thrift?
Daily Thrift lets you pick a daily savings amount from ₦100 upward, lock it for 30–365 days, earn interest paid weekly, and fund via wallet auto-debit, bank transfer or a verified agent. You get SMS after every deposit and can check your balance by dialing the USSD code on your thrift card.
How do agents fit in?
Approved agents with completed KYC (NIN, BVN, utility bill, government ID and face verification) can cash customers in and out, scan QR codes for cash-out, and post daily thrift contributions. Every agent transaction is recorded for admin reporting.
Is it safe to use?
Yes. We use encryption, NIN/BVN identity verification via Monnify or Paystack, wallet PIN, optional 2FA, agent KYC reviews and a full transaction audit trail across wallets, agents and merchants.
Can businesses accept payments?
Yes. Merchants get hosted checkout, shareable payment links, QR collection and a REST API to accept wallet and gateway payments.
Can I earn on my balance?
SafeLock lets you lock funds in fixed deposit plans for scheduled returns. Daily Thrift is separate — disciplined daily savings with tenure-based interest and optional weekly interest withdrawals.