Remittance is overpriced
Migrants routinely pay up to 8% to send money home, with the true spread hidden inside the rate.
About CredaFi Limited
We build the bank Africa already uses.
CredaFi is a personal AI financial assistant for the next billion people — send money, pay bills, understand your spending and resolve transfer issues by chat, image or voice note, inside the app they already open a hundred times a day.
The problem
Banking apps sit unopened. Chat is where money moves.
Across Lagos, Accra and Abuja, families coordinate money in a chat thread — 'send me your account number', 'did it hit?', 'screenshot the receipt' — while banking apps sit unopened on the same phone. That gap costs people time, money and dignity.
Nobody explains your money
The vendor, the rider and the salon owner have no simple way to see where their money went or to get a failed transfer explained.
Interfaces fight the user
Six apps, four passwords and a failing checkout — for a payment that should take one sentence.
Our story
Born inside a chat, built for a continent.
CredaFi began with a stubborn question: what if the interface for money in Africa were the interface Africans already love? Chris Bekee and Judgewill Churchill spent years building payment rails, running merchant operations and sitting with the small business owners the formal financial system routinely overlooks.
The inspiration was personal. Every remittance that failed. Every merchant abandoning a broken checkout. Every migrant paying 8% to send money home. CredaFi is their answer — a personal AI financial assistant that sends money, pays bills, explains spending and chases down transfer issues, delivered with licensed institutions rather than around them.
10M
Target active users
1,000
Cities in scope
90s
Target onboarding
0
Apps to install
Principles
How we build.
Four rules we do not trade away, even when they cost us speed.
01
You approve, always
Your assistant understands intent from text, images and voice notes, drafts the instruction and then stops. No system moves a naira without your explicit sign-off.
02
Priced honestly
Mid-market FX with the spread stated up front. The receipt in the chat matches the quote in the chat.
03
Compliance by design
Regulated activity runs through licensed partners, with audit-ready ledgering and KYC built in from the first line of code.
04
Built for the last mile
We design for the rider, the vendor and the salon owner first. If it works on a crowded market street, it works anywhere.
The team
Engineers, operators and shopkeepers — shipping across the corridor.
Our team works out of our office at 2 Idimu Egbeda Road, Egbeda, Lagos State, with product hours that follow the corridor. We hire people who have run a market stall, a fintech and a compliance desk — sometimes all three.