A Coin A Day

Digital
Financial Services Made Simple. Via Chatbots & USSD

The Award Winning Digital Savings; Susu, Group Savings via mobile money through Telegram, WhatsApp, or USSD. Known as esusu (Nigeria), ajo, chama (Kenya), stokvel (South Africa), tontine (Francophone Africa).

No app downloads. Works with low internet or no internet (USSD). Just chat and manage your money instantly.

Works without internet
50K+
Happy Clients
0
App Downloads
24/7
Available
SDG 1: No Poverty SDG 8: Decent Work and Economic Growth SDG 9: Industry, Innovation and Infrastructure SDG 10: Reduced Inequalities SDG 17: Partnerships for the Goals
Naa Sika Bot
Naa Sika Bot
Online
Naa Sika Bot
Hello! 👋 Welcome to Naa Sika. I'm here to help you manage your finances.
2:28 PM
Hi! I want to check my balance
2:30 PM
Naa Sika Bot
💰 GHS 5,430.00
Available Balance
2:30 PM
Naa Sika Bot
What would you like to do?
2:31 PM
I want to save GHS 100
2:32 PM
Simple & Accessible

Three Ways to Access Your Money

Choose what works for you. No apps needed.

Telegram

Use Telegram to Send money, check balance, invest etc.

No app download
Works on any device
Free to use
Start Chatting

WhatsApp

Use WhatsApp to manage finances. Most people already have it - just start a chat!

Already on your phone
Familiar interface
End-to-end encrypted
Start Chatting

USSD

Dial *426*26# on any phone. No internet needed. Works on basic phones too!

No internet required
Works on any phone
Instant access
AI-Powered Intelligence

Smart Chatbot, Secure Transactions

AI-enhanced guidance with human oversight for all transactions

AI-Powered Intelligence

How AI enhances your experience

Financial & Digital Literacy
AI guides you through financial concepts and explains digital services
Account Insights
Get intelligent analysis of spending patterns and personalized recommendations
Financial Advice
Receive personalized advice on savings goals and money management strategies
24/7 Customer Support
AI-powered chatbot handles your questions instantly, providing answers around the clock

Human Oversight

How transactions are secured

Structured Transaction Flow
All transactions follow a structured, step-by-step process for clarity and security
Human Confirmation Required
Every transaction requires explicit human confirmation. AI assists with guidance only
Transparent Process
Each step is clearly displayed, showing exactly what you're confirming
AI for Guidance Only
AI provides insights and advice. All transactions require human verification
Our Products

Complete Financial Services via Chat

Everything you need, accessible through simple chat commands.

No Downloads

Use apps you already have

No Internet?

USSD works without data

Enterprise-Grade Security

Your money is safe with us

Instant Access

Start managing finances in seconds

Our Impact

Real People, Real Impact

Transforming lives across West Africa while advancing the UN Sustainable Development Goals

SDG 1
No Poverty

Providing financial tools to lift families out of poverty through accessible savings and credit

SDG 8
Decent Work & Economic Growth

Empowering the informal sector with financial services to grow businesses and create jobs

SDG 10
Reduced Inequalities

Bridging the gap between formal and informal economies, especially for women and youth

Auto repair shop worker learning about Naa Sika
Community Outreach

Teaching Financial Literacy One Conversation at a Time

"We're bringing Naa Sika directly to communities. Whether you're a mechanic, trader, or student - financial services should be accessible to everyone."

No technical knowledge required
Works on any phone - even basic phones
Instant access to financial services
50+
Communities Reached
1,000+
People Trained

Start Managing Finances in Seconds

No app downloads. No long sign-ups. Just chat and start managing finances. Join thousands who trust Naa Sika.

Or dial *426*26# on any phone

Supporting Partners

Proud to be supported by leading global organizations

World Bank Group
WSA
The LHoFT - Luxembourg House of Financial Technology
UNICEF Startup Lab
GIZ - Deutsche Gesellschaft für Internationale Zusammenarbeit