A WhatsApp-based personal finance assistant for Nigerian consumers to send money, pay bills, buy airtime and data, create payment links, and track spending.
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:
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.
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