Biometric payment infrastructure for Nigeria

Your face
is your
account.

Millions of Nigerians are locked out of digital money because it assumes a smartphone, an account number and a signal. CASAIPAY replaces all three with the one thing everybody already has.

Try the live demo See how it works

A working prototype, not a mockup. Nothing you enter leaves your device.

Chidi verified
in 1.4 seconds

₦3,500 paid
no card, no cash

Welcome back,Chidi Okafor

Your balance

₦47,500.00

@chidiTIER 2

↙ Request↗ Send

📱Airtime

🌐Data

⚡Power

✈️Flights

Transactions

↗Mama Ngozi Stores
09:42 · Shop−₦3,500

↙Musa Ibrahim
09:15 · CASAIPAY+₦10,000

↗Ikeja Electric
08:30 · Bill−₦5,000

Nigerian adults financially excluded

EFInA, 2023

Formal financial inclusion rate

EFInA, 2023

Of GDP from the informal economy

Estimated, 57–58%

Annual informal economic activity

Estimated

The gap

Not another payment app

Moniepoint, OPay, Paystack and Flutterwave already move money brilliantly. CASAIPAY asks a different question — and sits between two that nobody has answered together.

A financial institution asks

“Can I trust this customer?”

A customer asks

“Can I reach my money when I need it?”

We are not building because fintech is growing. We are building because there is still a gap between institutions and millions of people — especially in informal economies where traditional systems struggle. That makes CASAIPAY an infrastructure layer the ecosystem plugs into, not one more app competing for the same transactions.

How it works

Six steps from exclusion to inclusion

Money can be sent to someone who has never opened a bank account, and collected in cash from a shop down the road.

Register the recipient

The sender enters a name and links a biometric identity. No account number needed.

Send the money

The transfer is initiated exactly like any other payment.

Money meets identity

CASAIPAY binds the payment to the recipient's biometric profile, not to an account.

Walk to a nearby agent

The recipient visits any CASAIPAY agent with their personal code.

Face confirms it's them

Verification happens on the agent's ordinary Android phone. No special hardware.

Cash is released

And a CASAIPAY ID is issued, opening the door to savings, credit and insurance.

The infrastructure

Four pieces, one identity layer

Biometric identity

Face and fingerprint replace account numbers, debit cards and smartphones. Who you are becomes the credential.

Money that finds a person

Funds move to a verified identity rather than an account, so a recipient can be paid before they have ever opened one.

Community agent network

Trusted local shops become verification, onboarding and cash-out points. The agent's existing Android phone is the terminal — no hardware to buy.

AI-powered rails

Identity verification, fraud detection, routing to the nearest agent, and clean integration with partner banks and licensed providers.

Security

Designed for a real market, 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 is a design problem, and each has an answer built in.

You choose the lock

Face ID alone, face plus passcode, or either one. A cracked lens or a dark stall shouldn't stop somebody buying rice.

A keypad that reshuffles

Passcode digits move position after every tap, so watching somebody's fingers across a counter reveals nothing.

Distress unlock

A second passcode — or a deliberate expression — opens the account showing a smaller balance you set. The payment completes, the real money stays put, and help is alerted quietly.

Everyday use

A reason to open it every day

Identity is the foundation, but nobody adopts infrastructure. They adopt something useful. So the wallet handles the bills a Nigerian household actually pays.

Airtime and data across MTN, Airtel, Glo and 9mobile
Electricity for every disco, with the token on the receipt
TV, water, internet, school fees and betting wallets
Domestic flights booked and paid straight from the balance
Transfers to any Nigerian bank, and free between CASAIPAY IDs

Airtime

From ₦100

Electricity

Token on receipt

Data

All four networks

Flights

Domestic routes

Mama Ngozi Stores
Ariaria Market, Aba

Today's sales

₦24,500.00

11 payments · wallet ₦86,300.00

⌗ Charge a customer

Chidi Okafor
09:42 · Face ID+₦3,500

Musa Ibrahim
09:15 · Face ID+₦12,000

For shops and agents

A till that runs on the phone already in the drawer

A customer arrives with no cash and no card. The shop asks for a CASAIPAY ID, types the amount, and hands over the phone. The customer's face approves it and the money lands.

No POS terminal. Any Android phone becomes a verification point of sale.
The customer's screen is private. The interface visibly changes hands, and their balance stays hidden unless they reveal it.
Money out, not just in. Pay suppliers, settle to the bank, or send to any CASAIPAY ID.
Earn as an agent. Take cash claims and onboard neighbours for a share of every transaction.

Open the merchant demo

Where we are

Honest about the stage

Concept and prototype are done. The MVP is in build. Everything after that depends on this round, so it's framed by what the money unlocks rather than by calendar dates.

Concept

Product, brand and go-to-market defined. CAC registration secured.

Prototype

A working end-to-end demo of registration, verification and the payment flow.

MVP & regulation

Real-time build, biometric infrastructure, and the start of the CBN pathway.

Pilot & agents

First agent network live, first real transactions, first evidence for a Series A.

Team

Who's building it

Dikeocha Precious

CEO & Co-Founder

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.

Eze Richard Peter

CTO & Co-Founder

Translates the vision into technology that actually works at scale.

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.

Chat on WhatsApp Try the live demo

+234 913 440 9739·+234 814 295 1619·CASAIPAY15@gmail.com·LinkedIn

Your faceis youraccount.