92%
use two or more banks
Multiple Banks, Zero Visibility
Most Nigerians hold accounts at several banks and have no single place that shows what they actually have.
Connect, Track, Understand. The financial intelligence layer for people and businesses. Your money, finally in your control.
- Built by Raavon Limited · RC-9537604
- Licensed open banking partners
- Encrypted at rest and in transit
The Problem
Nigerians are financially active, but financially blind.
97%
still track by hand, or not at all
No Localised Guidance
Global finance apps don't understand naira inflation, Nigerian bank charges, or how people here actually earn and spend.
79%
lose track of where it went
Silent Financial Leakage
Without clarity, money disappears: on charges, duplicate subscriptions, things you forgot about.
86%
want every account in one view
Savings Sit in Yet Another App
Savings apps do the saving well, but that money sits apart from the accounts you spend from. Your savings know nothing about your salary, and your bank knows nothing about your goals.
30%
company tax on profit you can't prove
Business and Personal in One Pot
When diesel for the shop and school fees leave the same account, you can't tell what the business actually made, or prove it to a bank when you need a loan.
Debt You Can't See All Of
A card here, a loan app there, something owed to a cooperative. Each one knows its own balance. Nothing tells you what you owe in total, or which to clear first.
Your Own Money, Out of Reach
The money is yours and it is right there, just in the wrong account. Moving it means opening another app, retyping details you already have, and hoping you got them right.
Klario Beta Insights, two waves combined (n = 331), July 2026. Company income tax rate: Nigeria Revenue Service (NRS).
How Klario Helps
One app. Every account.Full clarity.
01
Unified Dashboard
All your banks. One screen.
Connect every Nigerian bank account and see your real net worth, spending, and balances. Live.
02
KlarioAI
Your AI financial advisor.
Ask anything. "How much did I spend on food?" "Can I afford this?" Get real answers, not generic tips.
03
Debt Management
Get on top of every debt.
See what you owe across every lender in one place, and let KlarioAI map out a repayment plan you can actually keep.
04
Send Money
Send from any account you've connected.
Pick the account, send, done. Split one transfer across several banks when no single account covers it. The fee is shown before you confirm, and the person you pay receives the full amount.
05
Savings
Money set aside, and kept there.
Savings goals that fund themselves on a schedule you choose, with a maturity date that holds you to it. Watch it grow without touching it.
06
Budgets
Plan a month before you spend it.
Give every naira of your income a job in one pass, then let Klario hold the money back and release it as the month goes.
07
Bill Payments
Airtime. Data. Electricity. One tap.
Pay every bill without leaving Klario. No redirects, no third-party screens. Just done.
08
Financial Manager
A real human in your corner.
Financial Executive users get a dedicated human financial manager. Monthly calls. Personal plan.
Klario Anchor Club
Build with us · not for us.
The Anchor Club is a hands-on community for people who want to actually build something. Get real product experience, mentorship, first access to the Klario beta, and merch — alongside a network of students and builders growing together.
Join the founding cohort
We select a small group of students and builders to grow together — learn practical skills, grow your portfolio, and help shape Klario from the inside.
Join the Anchor ClubGet Started
Three steps to financial clarity.
01
Download Klario
Available on iOS and Android. Takes 60 seconds to install.
02
Connect Your Banks
Securely link all your Nigerian bank accounts. Your credentials never touch our servers.
03
Get Clarity
Klario analyses your finances and gives you a complete picture, instantly.
Security
We never see your bank login, and we never hold your money.
Your credentials go straight to licensed open banking infrastructure. Your money stays with your bank and our regulated payment partners. What we can't hold, we can't lose.
Layered Account Security
A transaction PIN approves every payment, Face ID can speed up sign-in, and two-factor login is available.
Encrypted at Rest and in Transit
AES-256 at rest, TLS 1.2 or higher in transit. Your data is protected everywhere it sits and everywhere it travels.
Identity Verification
Bank Verification Number checks confirm real people behind real accounts. Being switched on as we leave beta.
We Never See Your Bank Login
Your bank credentials go straight to licensed open banking infrastructure and never touch Klario's servers.
Verified Payment Callbacks
Every payment callback is authenticated before a single naira moves, and unverified events are refused outright.
Row-Level Security
Database rules enforce, on every single query, that you can only ever reach your own data.
How Klario is built
One database holds the rules. Every Klario app reads the same numbers, and nobody reaches data that isn't theirs.
- Database
- Managed Postgres with row-level security on every table. Each query can only reach what that person is allowed to see.
- Books
- A double-entry ledger built automatically from every transaction, so your dashboard, your statements and your bank balance agree.
- Server
- Small, separate server functions for each partner: bank data, payments, bills, identity and AI. Each checks who is calling before it acts.
- Money
- Money only moves from the Klario app, never from the web. Every fee is shown before you confirm, and every partner callback is verified first.
- AI
- Kai, our assistant, runs on Anthropic's Claude. It reads documents and sorts transactions, and business use is capped per member.
- What we never keep
- Your bank login, your BVN and your full account number. What we don't hold, we can't lose.
Simple Pricing
Start free. Upgrade when you're ready.
Free
A first taste of clarity.
₦0/month
Free, forever.
- 2 bank connections
- Send money from any connected bank
- 10 KlarioAI messages / month
- Savings goals and budgets
- Analytics for one account
Money Manager
For personal money, handled properly.
₦###/month
Pricing coming soon.
- 3 bank connections
- 200 KlarioAI messages / month
- Analytics and exports across every account
- Automated budget engine with funded vaults
- Savings goals with scheduled auto-save
- Debt tracking and risk scoring
- Document and payslip analysis
- Transaction export (PDF / CSV)
Financial Executive
For businesses, priced on what you need.
Let’s talk
Priced on the accounts and setup you need.
- 10+ bank connections, agreed with you
- 600 KlarioAI messages / month
- Business and personal money kept separate
- Commingling tracking and reports
- Everything in Money Manager
- Dedicated human financial manager
- Priority support
Frequently Asked
Questions, answered.
Klario is an AI-powered personal finance app for Nigerians. It connects all your bank accounts in one place, tracks your spending with AI, automates savings, and lets you pay bills without leaving the app.
The team
Eight people, and three disciplines.
Deliberately weighted towards the parts of this that are not code, because the hard part of a money product is proving what happened, not shipping a screen.
Engineering
Built Klario himself, and still writes the parts that move money.
- ML
Accounting & legal compliance
Turns raw bank data into records a lender or a regulator will accept.
- SA
Accounting & legal compliance
Owns the books and the filings that sit behind every claim we make.
- DF
Accounting & legal compliance
Keeps the audit trail honest, which is what makes the rest of it worth anything.
- OA
Marketing & research
Ran the two research waves that put 331 Nigerians behind our assumptions.
- TAO
Marketing & research
Runs Klario on Twitter (X), and is one of the two faces people recognise it by.
Marketing & research
Writes what Klario says out loud and puts a face to it on Instagram and TikTok.
- DO
Engineering
The app on both platforms, the server behind it, and the admin console.
- Marketing & research
- 3
- Accounting & legal compliance
- 3
- Engineering
- 2
Take control of your money.Download Klario.
Join thousands of Nigerians already on the waitlist.
Contact
Questions, partnerships, or just hello.
Press, partnerships, support. Drop us a line and we'll get back within two business days.
Or email us directlyhello@klario.finance
Want to build with us? Join the Anchor Club. For everything else, this is the place.