Coming soon · Lagos, NG
Save once. Get paid in drips.
Lock money into vaults. We pay it back in scheduled tranches — daily, weekly, monthly. Built for Nigeria.
How it works
Three steps. Then you stop thinking about it.
Built for the way Nigerians save
Features
Locked savings
Break a vault early? Yes — but you'll pay a penalty. The discipline is the point.
Verified identity
BVN verified at signup — CBN policy. KYC via Smile ID face match unlocks full access automatically.
Naira-native
Built around ₦. No dollar gymnastics. Minimum deposit ₦100.
Predictable cashflow
Pay rent on the 1st. Pay yourself on the 15th. Pay tuition weekly. Pick the rhythm.
Social proof
What early users say
FAQ
Questions, answered
Yes. Funds are held with CBN-licensed partner institutions and are fully insured. We never lend out your principal.
You can break a vault anytime, but an early-exit penalty applies. The penalty is calculated on the remaining locked balance — the discipline is the point.
Kolowise is free to use during the beta. We earn a small spread on the interest generated by pooled vault funds.
All Nigerian commercial banks and microfinance banks supported by the NIP instant-payment rails. Withdrawals settle in seconds.
Kolowise operates under the CBN Regulatory Sandbox and partners with fully licensed financial institutions. All data handling is NDPR compliant.
Be first in line.
Join the waitlist and we'll let you in early.