PreSpend: Before you spend.

You know that uncle — the one you give money to hold so you won't spend it before the end of the month? PreSpend is that uncle but in your pocket.

PreSpend helps you plan your money before you spend it. Put money in, plan where it goes, and spend from your plan.

PLAN YOUR MONEY Every naira you deposit lands as unplanned money first. Then you decide where it goes — Food, Transport, Rent, Savings, whatever matters to you. Create wallets for each purpose and split your money with a plan.

TRANSFER & PAY Send money to any Nigerian bank account. Buy airtime or data. Pay electricity and cable bills. All from the same app, all drawing from the right wallet.

SPENDING WALLETS — YOUR EVERYDAY MONEY Daily spending lives here. Set daily limits so you don't blow through your budget before the week is over. Uncle is watching.

COMMITMENT WALLETS — MONEY YOU'VE PROMISED Rent. School fees. Family obligations. Money in a Commitment wallet waits 6 hours before it can leave. That cooling period is the whole point — it stops you from touching money you've already decided to use elsewhere.

ASSET WALLETS — MONEY YOU'RE GROWING Your savings and long-term money. A 24-hour waiting period means you have to really mean it before anything moves. Lock funds until a future date if you want to take it even further.

THE VAULT — YOUR SERIOUS MONEY The Vault is for money you don't want to see unless it's an emergency. Deposits above ₦10,000 automatically move 5% into your Vault. To get it out, you start an emergency release and then wait, because that's the point. Your first vault break each month is free.

SAFE & PROTECTED Powered by Safe Haven MFB. Licensed by the CBN. Insured by the NDIC. Your money isn't just sitting somewhere - it's protected.