We're in our testing stage, so balances in the app are test money. Real naira starts once a licensed partner is in place.
Why we exist
Millions of Nigerians are still outside the system.
Nigeria's financial inclusion has grown: 73% of adults are now formally included and 6% use informal services only. But the people left behind are the hardest to reach, and being included has not meant being secure.
~25Madults financially excluded
21%of Nigerian adults have no financial access
57–58%of GDP comes from the informal economy
$130B+estimated informal economic activity each year
53%of the poorest fifth of adults are still excluded
58% vs 85%formal inclusion in rural areas against urban areas
30.7%of included adults are financially healthy
61%of included adults are in severe liquidity distress
Source: EFInA, Access to Financial Services in Nigeria 2026 survey. The ~25M figure is CASAIPAY's own estimate from that survey. Informal economy figures are estimates.
Not another payment app
We answer two questions together.
A financial institution asks"Can I trust this customer?"
CASAIPAY
A customer asks"Can I easily access my money when I need it?"
We are not building because fintech is growing. We are building because there is still a gap between financial institutions and millions of people, especially in the informal economy. A verified identity is the bridge.
How it works
Simple enough for any market stall.
Pay at a shop
The shop types in the amount and hands over the phone.
You scan your face, or enter your passcode.
CASAIPAY checks your balance.
One slide, and it's paid.
Send money
Enter a username, or a bank account number.
Type in the amount.
Approve it with your face or passcode.
It's sent, with a receipt to keep.
Cash pickup
Enter the receiver's name and phone number, and the amount.
Scan their face if they're nearby, or set a passcode if they're far.
A claim code is created for them.
They collect the cash at a CASAIPAY shop or agent.
Everything in one app
Built for the user, the shop and the POS agent.
One sign-in opens all your accounts, each with its own wallet. Switch between them in a tap.
For people
Your money, unlocked by you.
Your Biometric Wallet goes wherever you go. No card to lose and no account number to remember.
Pay with your face
Look at the camera, check the details and slide to pay. No card and no cash. Your passcode is there when the light is poor.
Send to anyone
Free and instant to any CASAIPAY user, or to any Nigerian bank account.
Request and scan
Share your own code to get paid, or scan a person, shop or agent's code to pay them.
Offline Pay
Set money aside, then pay with no network. Sender and receiver both get the alert, and it settles when a phone reconnects.
Offline sign-in
Get into your account with no network, using an offline passcode or your phone's fingerprint or Face ID.
Cash pickup
Send ₦100 to ₦500,000 to someone with no account. They collect it from a shop or agent with a claim code and their face or a passcode.
Distress unlock
Forced to open your account? A separate passcode or face shows only the small balance you chose, and our team is quietly alerted.
Bills in one place
Airtime, data, electricity, TV, internet, exams and betting wallets.
Savings, cards and Market
Save towards a goal, manage your cards and shop from stores in the app.
See your money
Income, expenses and every transaction, with a receipt for each one.
Rewards
Invite your friends and earn a reward for each one who joins.
Your look, your way
Choose White, Dark, Navy blue or Yellow for each of your accounts.
For shops
A till that runs on the phone in your hand.
Take payments from a customer with no cash and no card, and see at any moment what your shop is really making.
Charge by handing over the phone
Type the amount and pass your phone across. The customer's face approves it, and their details stay private.
Biometric Shop Wallet
Your shop's money stays apart from your personal money. Add to it from CASAIPAY or from a bank.
Your shop code
Customers scan your code and pay from their own phones.
Business tools
Profit and loss, products, sales and expense records, monthly plans and spreadsheet downloads.
Ask your business AI
Type or talk to it. Ask how the shop did this week, or tell it what you just sold.
Purchase products
With Premium, buyers tap the products they want and pay with their face. It remembers your regular buyers too.
Cash pickup points
Redeem pickup codes in your shop and bring more people through your door.
Sell with no network
Offline Pay works for shops too, with its own reserve and an alert for every sale.
For POS agents
The Identity-Mobile-Device POS Agent.
Serve your community from any corner. You verify the person, release the cash and keep your own records, with no machine to buy.
Your phone is the terminal
No machine to buy, charge or repair. Everything runs on the phone you already own.
Pay out cash pickups
Enter the claim code, confirm the collector's face or passcode, and hand over the cash. A failed check cannot be overridden.
Biometric Agent Wallet
Your POS money is completely separate from your shop and your personal account.
Charge and get paid
Take payments by face or with your agent code, and send to a bank when you need to.
Works when network doesn't
Your own offline reserve keeps you serving customers, with alerts on both sides.
Business tools and AI
Profit, records, spreadsheets and an assistant you can talk to, all built in.
Help that speaks your language
Meet Casmir and Debbie.
Your CASAIPAY assistants are there all day and all night, for users, shops and agents. Type or talk to them. They check your account, explain what happened and set up a transfer for you to approve. They never send money on their own.
English
Pidgin
Hausa
Igbo
Yoruba
Security
Designed for real markets, not a lab.
Cameras fail in bad light. People get watched at the counter. Sometimes a person is not paying by choice. Each of these has an answer built in.
Face or passcode, every time
Money only moves after you approve it. If the camera can't see you, your personal passcode takes over.
Distress unlock
A separate passcode or face opens your account showing only the small balance you set, and our team is quietly alerted.
Your identity is checked
New accounts open with your NIN, so the person behind each account is known.
One phone at a time
Signing in on a new phone signs CASAIPAY out on the old one.
Offline, without overspending
Offline payments come from money you set aside first, signed by your phone and confirmed when it reconnects.
Every naira accounted for
Every movement is recorded on both sides of a double-entry ledger, with a receipt for you.
See it working
Walk through the whole app.
Four minutes, with sound, from signing up to paying with no network.
Where we are
Honest about the stage.
Done
The foundation
Incorporated in Nigeria with the CAC
600+ people said they would use CASAIPAY after seeing it working
The app built for users, shops and POS agents
Now
Testing the full app
Accounts, face payments, Offline Pay and cash pickup all running
Balances are test money while people try everything
Next
Real money and our first market
A licensed partner to hold customer funds
Customer data hosted in Nigeria before 1 January 2027
A live pilot with real shops and agents
Team
Who's building it.
Dikeocha Precious
CEO & CTO
Carries the vision, and the responsibility of turning the idea into something real.
Deborah Enu
COO & Co-Founder
Shapes the company, challenges the vision, and turns big ideas into something executable.
Questions
What people ask about CASAIPAY.
What is CASAIPAY?
CASAIPAY is a biometric identity and payment app built for Nigeria and Africa at large. Your face, with a passcode as backup, approves your payments, so you can pay, send money and collect cash without a card. The same app serves everyday users, shops and POS agents.
How do I pay with my face?
At a shop, the shop owner types the amount and hands you their phone. You scan your face, check the details, then slide to pay. You can also scan a shop's code on your own phone and approve the payment with your face.
What happens if my face scan does not work?
You can use your personal passcode instead, for example at night, in poor light or with a cracked camera.
Does CASAIPAY work without network?
Yes. With Offline Pay you set money aside while you have network, and can then pay with no network. Both people see the payment on their phones, and it settles when a phone reconnects. You can also sign in with no network using an offline passcode or your phone's own fingerprint or Face ID.
Can someone without a bank account receive money?
Yes, through cash pickup. The sender creates a claim code for ₦100 to ₦500,000 and chooses how the collector proves who they are: a face scan or a passcode. The collector then gets the cash at a CASAIPAY shop or POS agent.
Do I need a POS machine to run a shop or POS on CASAIPAY?
No. The phone you already own is the terminal. You can charge customers, pay out cash pickups, track sales and profit, and keep a separate wallet for your shop and your POS.
Does CASAIPAY charge to send money to another user?
No. Sending to another CASAIPAY user is instant and free.
What do I need to open a CASAIPAY account?
A phone number, a username, your NIN and a scan of your face. You also set a passcode as your backup.
Which languages does CASAIPAY support?
The app's assistants, Casmir and Debbie, answer by text or voice in English, Pidgin, Hausa, Igbo and Yoruba.
Does CASAIPAY work on Android and iPhone?
Yes. Open CASAIPAY in your phone's browser and add it to your home screen, and it works like an installed app.
Is CASAIPAY moving real money today?
Not yet. CASAIPAY is in its testing stage, so balances in the app are test money and you should not expect to withdraw real naira. Real money starts once a licensed partner is in place.
Is CASAIPAY a bank?
No. CASAIPAY is a technology company incorporated in Nigeria with the CAC. It provides the identity and payment technology, and customer funds will be held by a licensed partner.
The mission
Infrastructure for the next generation of financial access.
Let people receive money using their identity instead of an account number, and you change how millions of underserved Africans take part in the financial system.
CASAIPAY
