Every phoneis a bank now.
Transfers, bills and airtime from a chat, a text, or a USSD menu that needs no data at all. Spoken or typed, in English, Pidgin, Yoruba, Hausa or Igbo.
KoreX · transfer 9KD2
You → Mama
₦24,500 · upkeep
- 07:41You said it · voice, Pidgin
- 07:41Read as · Mama, UBA
- 07:42PIN confirmed
- 07:42Sent · ₦24,500
- 07:43Mama got an SMS too
- 07:43Left this month · ₦186,300
One sentence, from voice note to sent.
KoreX
₦24,500 to MAMA ADEYEMI, UBA 2088xxxx41.
Enter your PIN to send.
Buttons and a receipt
send NGN 24,500 to my mum at UBA
160 characters, hard limit
*347*8#
Works on a feature phone
There is a payment of ₦24,500 for 3 yards ankara. Shall I text you the account?
English · Pidgin · Yoruba · Hausa · Igbo
Five languages
You: ₦24,500 due
3 yards ankara
Carries the PDF
Receipt
₦24,500
sent to MAMA ADEYEMI
Left to spend
₦186,300
this month
No account needed
One instruction you can give six ways. Drag the amount and watch the SMS counter move, because that limit is real.
What you point it at
Photograph it. That is the whole step.
A fees slip, an ajo card, a meter number, an account scribbled on the back of something. KoreX reads the paper you did not choose, and takes over the tedious half.
Bright Stars Academy
Term 2 · 2026/27 · Fee advice
Pay to Zenith 1014882203
Quote ref BSA/24/1183
ReadingRead
It reads the reference, not just the account.
Anyone can copy the account number off a fees slip. The reference is the part that tells the bursar whose child paid, and it is the part everybody mistypes — then spends a week proving it on WhatsApp.
The school reconciles it themselves. You send nothing to anybody afterwards.
The everyday things
All of this works with your data off.
Ten things you do most weeks, and the small thing KoreX adds to each one. Every row runs in a chat, in a text, or in a USSD menu.
Send to any bank account
The same instruction works over SMS and USSD with no data
Send by phone number
Your recipient needs no KoreX account, the money lands in their bank
Pay bills
Reminders escalate across channels before the disconnection date
Airtime and data
Buy for someone else by sending a request they approve
Voice note instructions
Igbo as a fifth language, alongside English, Pidgin, Yoruba and Hausa
Photo of an account number
Also reads a handwritten list, a POS slip and a printed invoice
Scheduled payments
Reminders reach the payer, not only your own phone
Spending analysis
Reads your linked bank accounts, so it sees spending KoreX did not process
Bulk transfers
From a voice note, a spreadsheet, or a roll call in a group chat
Freeze from any device
Freeze by USSD too, which still works when the phone is gone
One instruction, many ways in
Use whichever one your phone can manage today.
Data finished, so you dial. On a bus, so you talk instead of typing. Borrowing somebody’s handset, so you use the USSD code and leave nothing behind on it. The instruction is the same one every time.
Nothing is a lesser version. The USSD menu can do what the chat can do, because they are the same request underneath.
You need: Data
Buttons and a receipt
SMS
You need: Any phone
160 characters, hard limit
USSD
You need: No data
Works on a feature phone
Voice
You need: Any phone
Five languages
You need: An inbox
Carries the PDF
Pay link
You need: A browser
No account needed
Telegram, Instagram and Messenger work the same way. RCS is switched on when carrier coverage justifies the work.
When conditions are bad
It works with whatever you have left.
Every other money app assumes a charged phone, a live bundle and a decent signal. Set yours to how it actually is and watch what survives.
Your phone right now
Data bundle
Network
Airtime
Whose phone
3 of 6
ways in still open to you
Your bundle finished. Nothing else did.
The channels still standing are the ones that never needed data in the first place. Sending money is the same three steps it was this morning.
WhatsApp
Needs a data bundle.
SMS
No data needed. As fast on 2G as on 4G.
USSD
No data, no airtime, no app. 2G is all it ever needed.
Voice call
Speak it. Five languages, 2G is enough.
Email
Needs a data bundle.
Pay link
Needs a data bundle.
Ajo and esusu
The collector stops being a person with a notebook.
KoreX tracks who has contributed for the cycle and asks the ones who have not on whichever channel they answer.
Every member sees the same ledger and the same rotation, which removes the argument that ends most groups.
Ìwúlò ajo · cycle 4 of 6
₦150,000 of ₦300,000
This cycle pays
Bashir
- ✓Amaka₦50,000
- ✓Tunde₦50,000
- ✓Ngozi₦50,000
- 4BashirNot yet
- 5ChidiNot yet
- 6FunkeNot yet
Money coming to you
You never have to ask who sent it.
Ask someone for money and KoreX gives that one request its own account number. They pay it from whatever bank app they already have, and it arrives labelled with what it was for — no “I’ve sent it” followed by a blurry screenshot and a guess.
The number expires with the request, so you can send it to someone you barely know without handing over an account number that follows you around forever.
You pay
IBEDC electricity
₦12,400
KoreX · receipt 9KD2
PAYMENT SUCCESSFUL
- - - - - - - - - - - -
IBEDC prepaid12,400.00
Token3821 7740 9912 4408
Meter451102338811
- - - - - - - - - - - -
TOTAL PAIDNGN 12,400.00
16:03 · token also sent by SMS
The awkward part
What you do when it goes wrong.
Every one of these is a normal Saturday rather than an edge case. None of them needs the app, a browser, or us to be having a good day.
If it goes wrong
Works from any handset
01Your phone is gone
Text FREEZE from any phone
Every payment stops, on every channel. No app, no login, no waiting for us to open.
02You sent it to the wrong person
Reply WRONG in the thread
A recall opens with their bank at once. Most never get this far: KoreX shows you the account name before you confirm.
03Your data finished halfway through
Dial USSD string
Carry on where you stopped. Same request, on a channel that never needed a bundle.
04Somebody will not stop asking you for money
Reply STOP, once
They lose every channel, not just the one you replied on. No second attempt from another number.
05You have forgotten your PIN
Text PIN
The same identity check as day one. Nothing moves until it is done, for you or anyone else.
06You think someone has been in your account
Text FREEZE, then PIN
Every open session ends and a new PIN is set before a naira can move.
Nothing here is behind a tap, because on the day you need it you should not have to go looking. Screenshot it — every line works from a borrowed phone with no data on it.
Who uses it
Built for the phone in the other person’s hand.
The student
Sends money at the end of the month when the data bundle is long finished.
The trader
Photographs the account number a customer wrote down and pays it without typing a digit.
The ajo collector
Stops carrying a notebook and stops chasing six people by hand.
The person abroad
Sends home to a parent who answers a phone call and never a chat app.
Getting started
Four steps, and none of them are a download.
01
Say hello
Message KoreX on WhatsApp number or dial USSD string. Both open the same account.
02
Prove who you are
Your BVN and a photo of your ID. It takes one pass, not three.
03
Set your PIN
Four digits. Nothing leaves your account without it, on any channel.
04
Your number appears
An account number lands in the chat. Money can arrive immediately.
Security
Money you can stop with one message.
Licence, regulator and certification text
A PIN on every payment
Four digits, required on every channel, including a USSD session and a voice call.
Freeze from any phone
Lose the handset and you can freeze the account from any other phone, by message or by USSD.
Your money is in your bank
KoreX settles into the account you already own. There is no KoreX balance to be frozen and nothing to withdraw.
Nobody holds your account number
Each request carries its own number, which is retired afterwards, so a permanent number never circulates.
Encrypted, in transit and at rest
Including the images you send it and the transcripts of what you say to it.
Pricing
Free, and not the kind that expires.
Personal KoreX has no monthly fee, no per-transfer fee and no tier above it to be upsold into. It is free because the business side pays for it, which is a better arrangement than the usual one where free means your spending is the product.
Costs you nothing
- Transfers to any Nigerian bank
- Airtime, data and bill payments
- Every channel, including voice and USSD
- Ajo and esusu, however many people
- Spending summaries and receipts
- All five languages
What you do pay
Your network charges for the USSD session and your bank may charge its own transfer fee. Both go to them, not to us, and KoreX shows you the cheaper channel before it sends.
USSD session cost
Selling something? The business side is where the pricing is.
KoreX and Kampe
One knows what you have. The other knows what is already spoken for.
Kampe aggregates every account you hold and never moves a naira. KoreX moves money, so the two are separate products joined by one consented feed running in a single direction. KoreX publishes what you have committed to — the ajo hand due on Friday, the rent standing order, the school fees — and Kampe subtracts it before telling you what you can spend.
KoreX never reads Kampe. Switching the connection off deletes what was shared rather than hiding it, so Kampe stays literally read only.
Without the feed
A balance that says ₦180,000 and says nothing about the ajo hand you owe on Friday.
With it
₦180,000, of which ₦96,000 is already promised this month. ₦84,000 is the number that is actually yours.
Reach a person
Type your problem into the same chat you pay from. If KoreX cannot settle it, a human picks it up in that thread.
Support hours
Where it works
Every Nigerian bank KoreX’s partner reaches, plus transfers across supported African countries.
Partner banks and rails
Languages
English, Nigerian Pidgin, Yoruba, Hausa and Igbo. Typed or spoken, on every channel that carries voice.
Questions
The things people actually ask.
If something here is missing, it is probably because the honest answer is that we have not built it yet.
Ask me something. Pick one below.
Open an account from a text message.
Send one message, confirm who you are, set a PIN. Your account number arrives in the same thread.