We didn't build a savings app.
Kolowise exists because willpower is finite — and the savings system was never built to help Nigerians win.
Inflation rate
32%
Nigeria, 2025 — eroding every naira you keep in a standard account.
Bank savings returns
< 8%
The average Nigerian savings account return. Math doesn't work in your favor.
Month-end savings balance
₦ 0
What most salaried Nigerians have left by day 25 of each month.
The Nigerian savings problem isn't behavioral. It's structural. The tools that exist weren't designed for an economy like this — and willpower was never going to bridge that gap.
“It started with a phone call from my sister. She’d saved carefully for six months. Then spent it all in two weeks because the money was accessible.
That phone call changed everything.”
Kola Adeyemi
CEO & Co-founder, Kolowise
2022
The phone call that started everything — a sister's savings, gone in two weeks.
2023
First prototype. Five friends tested it. Four stayed on schedule for the first time in their lives.
2024
Beta launch with 120 users. ₦48 million locked and disbursed on schedule.
2025
CBN-licensed banking partnerships signed. Infrastructure for scale.
2026
Waitlist opens. 2,417 Nigerians join in the first three weeks.
01
We don't preach saving. We build the architecture that makes it happen automatically — whether you're disciplined or not.
02
Not adapted from Silicon Valley playbooks. Designed from scratch for how Nigerians actually live, earn, and spend.
03
Your vault, your schedule, your balance. Always visible, always auditable. We will never move your money without your knowledge.
04
You're not locked in. You're choosing to stay. That's a very different relationship — and one we take seriously.
Kola Adeyemi
CEO & Co-founder
“I've watched too many people lose their savings to circumstances they couldn't control. Kolowise is the tool I wish had existed for my sister.”
Amaka Eze
CPO & Co-founder
“Good products don't change behavior — they remove the need for behavior change. That's the standard we build every feature to.”
Chinedu Okoro
CTO
“Building infrastructure that doesn't break under pressure. Every line of code is written for the 220 million people who deserve better.”
Zainab Hassan
Head of Compliance
“Regulation isn't a barrier — it's a foundation. We're building with CBN oversight because that's how you earn trust.”
Tunde Bello
Head of Design
“Simplicity is harder than complexity. Every pixel serves a purpose — to get out of the way of people saving.”
Ifeoma Nwosu
Head of Operations
“We scale by solving problems before they appear. Operations is where intentions meet reality.”
Oluwaseun Adebayo
Head of Growth
“Growth isn't vanity metrics. It's people whose lives become more secure because we exist.”
Join us
Whether you want to use the product, write about it, partner with us, or join the team — there’s a place for you.