Owoche

Owoche is a Nigerian consumer fintech and mobile money app for people who want to send money, pay bills, and make QR-based payments in everyday life.

Key features include:

• Instant transfers to any Nigerian bank account, plus free Owoche-to-Owoche transfers using a 10-digit pay code
• Bill payments for Nigerian services, including airtime, data, electricity, cable TV, and internet, with up to 10% cashback credited to a bonus balance that can be spent on eligible top-ups and bills
• Owoche Pay (QR payments) to scan, show, or share a QR code for person-to-person or merchant payments, confirmed with a transaction PIN
• SmartAza digital gifting using sealed “envelopes,” with options like OTP or sender approval, group giveaways, and referral bonuses

Available on Android and iOS.

It targets Nigerian consumers who need mobile payments for transfers, bill settlement, airtime and data top-ups, and social cash gifting.

Owoche is notable in Nigeria for its security focus, including a Panic PIN duress system that opens a decoy wallet and silently alerts an emergency contact, plus controls such as device fingerprinting, SSL pinning, and lockouts. It also supports a multi-language interface (English, Hausa, Yorùbá, Igbo, and Nigerian Pidgin) and uses CBN-aligned KYC tiers for local compliance expectations.