Penny

Penny is a WhatsApp-based personal finance and payments assistant for individual consumers who want to send, spend, and manage money directly in WhatsApp.

Key capabilities include:

• Bank account connections and consolidated balances, letting users link existing accounts and view available funds across them.
• Payments and transfers in chat, including sending money to saved recipients using nickname-based payments, creating payment links for specific amounts that can be shared anywhere, and running bulk transfers to multiple people at once.
• Everyday top-ups and bills, with airtime and data purchases for any network and bill payments from within the conversation.
• Insights and lookups, such as spending insights by category (for example, tracking food spend over a week) plus market information like stock prices, cryptocurrency values, and real-time exchange rates.

Available via WhatsApp chat (started through a wa.me link); no separate app is listed.

Built for Nigeria-focused B2C users who already rely on WhatsApp for daily communication and want a chat-first way to control personal finances.

Notable context: the website labels the service as in development, and it lists connections with many Nigerian banks and financial institutions (including GTBank, Access Bank, UBA, Zenith, First Bank, Kuda, OPay/Paycom, and others). Security controls described include PIN-based transaction approval, optional Face ID/fingerprint, and the ability to block an account if a phone is lost.