See where your money actually goes.
Kobolytics connects to your Nigerian bank and automatically makes sense of every transaction — so you finally understand your spending without spreadsheets, manual entry, or guilt.
Read-only bank access. NDPR-compliant. Your data is yours.
See where your money actually goes.
Kobolytics connects to your Nigerian bank and automatically makes sense of every transaction — so you finally understand your spending without spreadsheets, manual entry, or guilt.
Read-only bank access. NDPR-compliant. Your data is yours.
You know you spend money. You just don't know where.
Your bank app shows you a list. It doesn't tell you that you spent ₦47,000 on POS charges last month, or that three streaming subscriptions are quietly draining your account, or that your “small chops” habit is actually a budget line.
Most apps ask you to categorise every transaction yourself. You give up by week three. We've all done it.
Kobolytics is different. It does the work.
Three steps. Then we get out of your way.
No spreadsheets. No manual entry. No guilt.
Connect your bank
Link your Nigerian bank account in under a minute through a secure, licensed connection. We get read-only access — we can see your transactions, nothing else. We can't move money. Ever.
We make sense of it
Kobolytics reads your last three months of transactions and automatically sorts them. POS charges, Opay transfers, Moniepoint payments, airtime, fuel, food — we understand how Nigerian banks describe things. Other apps don't.
You finally see the picture
Open the app and see where your money actually went. By category. By merchant. By month. Set limits on the categories that matter to you. Get notified when something looks unusual.
POS/0X9821/SHOPRITE LEKKI 1 LA/29-04-26
Shoprite Lekki · POS card purchase · Groceries · 29 Apr
The picture you've been missing.
A single screen shows where every naira went. Top categories, top merchants, biggest surprises.
We recognise POS terminals, Opay, Moniepoint, PalmPay, Kuda, GTB narrations, and the thousand ways merchants describe themselves. If we get one wrong, fix it in one tap — and we'll remember.
Set a monthly limit on food, transport, or anything else. We'll tell you when you're close — without lecturing you.
Your bank account. Your data. Your rules.
We connect through a licensed Nigerian financial data provider. We can read your transactions. We cannot move money, change your password, or access anything beyond what you approve.
Your data is encrypted in transit and at rest. We follow NDPR requirements for how Nigerian user data is stored and handled.
You own your data. Close your account in the app and everything we hold about you is permanently deleted. No forms, no emails, no friction.
Built under Zodos Technology. Reviewed by Nigerian fintech counsel.
Honest pricing. 7 days on the house.
One price. No tiers, no add-ons. Kobolytics is funded by what you pay — never by your transactions.
Cancel any time. Nothing to commit to past this month. Everything Kobolytics does — read your bank, sort every transaction, set limits — for one flat price.
- —Connect as many Nigerian bank accounts as you have
- —Every transaction sorted automatically
- —Limits, recurring spend, end-of-month picture
- —Old statements welcome (CSV, PDF, Excel)
Two months on the house, billed once a year. Same Kobolytics, just yearly. Best for people who already know they want to see where their money goes.
- —Everything in Monthly
- —Two months free vs. paying month to month
- —One bill a year — set it and forget it
- —7-day trial when you join
For people who want to understand their money — not be lectured by it.
You earn well. You spend well. You'd just like to know where it goes between payday and the 20th.
Personal and business spending live in the same account. You need to untangle them — fast.
And quit. Because manually tagging "Transfer to John" twelve times a month is not a life.
The questions you actually want answered.
If your question isn't here, email support@kobolytics.com.
No. We use a licensed Nigerian financial data provider to get read-only access to your transaction history. Your password never touches us — you authenticate directly with your bank.
No. The connection is one-way. We can read your transactions. We cannot transfer, withdraw, pay, or do anything with your funds. That's enforced at the data-provider level, not just by us.
At launch: every major Nigerian bank — GTB, Access, Zenith, UBA, First Bank, Stanbic, Wema, Sterling, Fidelity, Union, FCMB, Kuda, and more. If your bank isn't supported yet, join the waitlist and we'll let you know when it is.
We currently support traditional Nigerian banks at launch. Fintech wallets like Opay and Moniepoint are on our roadmap. In the meantime, transactions to and from these wallets from your linked bank are fully tracked and categorised.
Kobolytics is ₦1,500/month or ₦15,000/year (two months on the house). Every account gets a 7-day trial. No card today, no hidden fees, no upsells — the price you see is the price you pay.
Everything we hold about you is permanently deleted. We don't keep "anonymised" copies. NDPR gives you the right to erasure; we built the app to honour it without making you ask twice.
Neither. We're not licensed to hold your money, and we'll never offer you a loan. Kobolytics helps you understand your money. That's it.
Stop guessing where your money goes.
Join the waitlist. We'll let you know the moment Kobolytics is ready for you.
No spam. No marketing emails. Just one message when we launch.