WhatsApp + USSD
Record your sales in Pidgin. Build a credit history.
The Problem
Millions of micro-businesses in Nigeria — market women, kiosk owners, roadside mechanics — have zero bookkeeping. They don't know if they're profitable. Banks won't lend to them because there's no financial history. Existing accounting tools require laptops, accounting knowledge, and English fluency. They're designed for a different world.
Millions
of micro-businesses with no records
Massive
credit gap for Nigerian SMEs
Zero
accounting tools that work in Pidgin
40%+
of phone users still on feature phones
How It Works
'I sell 5 bags of rice for 15,000 each' — by voice note, text, or USSD. Ledger understands Pidgin, Yoruba, Hausa, and English. It categorises everything automatically.
'How much I make this week?' — Ask handles it. Pulse sends you a morning briefing every day. Lookout flags anything suspicious. Clerk makes sure your books are clean.
Months of transaction history becomes a credit score. Vault tracks your revenue consistency. Partner lenders see verified data. The market woman gets a loan she could never access before.
Under The Hood
# What happens when a market woman records a sale
🎤 "I sell 5 bags of rice for 15k each today"
→ Ledger transcribes and parses:
├─ Item: Rice (bags)
├─ Quantity: 5
├─ Unit price: ₦15,000
└─ Total: ₦75,000
→ Lookout checks for anomalies (all clear)
→ Vault updates credit score
└─ Revenue consistency: improving (3 months tracked)
→ Next morning, Pulse sends:
"Yesterday: ₦75,000 in sales. This week so far: ₦280,000.
You're up 12% from last week. Nice."
Impact
6
Named agents working together
Voice
Record sales by voice note
USSD
Works without internet
Free
To record transactions
Why This Matters
Ledger doesn't need you to speak English or know accounting. Say 'I sell garri today' and it's recorded. That's the whole point.
Pulse gives you financial literacy through conversation, not spreadsheets. You learn your numbers by asking about them.
Lookout watches for fraud so you don't have to. Suspicious patterns get flagged before they become real problems.
USSD fallback means no smartphone required. Keepa works on the cheapest feature phone with no internet connection.
Vault turns informal transactions into formal credit history. The biggest barrier to lending in Africa isn't risk — it's data. Keepa creates the data.
Whether you want to use it, partner with us, or build something similar — let's talk.