KobboVest

KobboVest is a Flutter-based fintech mobile app backed by a PHP API, designed to give Nigerian users a complete digital finance experience in one place. At its core, it's a digital wallet — users can fund their wallet, check balances, and view transaction history with ease.

Beyond basic wallet features, KobboVest supports internal transfers between users and external bank transfers powered by Monnify, complete with beneficiary management and PIN/OTP confirmation for security. Users can also join or create cooperative savings groups, make contributions, and manage group payouts — bringing the familiar concept of community savings into a modern digital format.

Bill payments are handled through VTpass, covering airtime, data, electricity, cable TV, betting, and more. KYC flows allow users to verify their identity and unlock higher account tiers. Spend & Save automates savings by setting rules tied to spending behavior, while Money Coach provides AI-assisted financial summaries, goal tracking, and chat.

The app also generates shareable receipts in PDF or image format, and includes strong security features like AES-256 encrypted payloads, idle timeout, device fingerprinting, and PIN-based transaction confirmation.