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.
Not a reduced version of the app. This is the menu, on a handset with no bundle and nothing installed, and it is the whole product.
*347*8#
KoreX
1. Send money
2. Airtime & data
3. Pay a bill
4. Send to a list
5. Repeat a payment
6. Where my money went
7. Freeze account
8. Change PIN
Reply with a number
No data. No app. No smartphone.
01Send money
Any bank, by account number or by phone number. They need no KoreX account of their own.
02Airtime & data
For you, or for somebody else — who approves it on their own phone before it goes.
03Pay a bill
It chases you across channels before the disconnection date, not after it.
04Send to a list
From a voice note, a photo of a notebook page, or names typed one to a line. One PIN for the batch.
05Repeat a payment
The reminder reaches the person being paid, not only your own phone.
06Where my money went
Reads the other accounts you have linked, so it sees spending KoreX never processed.
07Freeze account
Works from any handset — which is the point, since yours is the one that has gone.
08Change PIN
The same identity check as the first day, and nothing moves until it is finished.
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.
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
Who uses it
Built for the phone in the other person’s hand.
The one it was built for
The trader
Photographs the account number a customer wrote down and pays it without typing a digit.
No card machine. No app on either phone. One photograph and a PIN.
The student
Sends money at the end of the month, when the data bundle is long finished.
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 — in the language that parent actually speaks.
Getting started
One conversation, start to finish.
Not four screens. The same thread you say hello in is the thread your account number arrives in.
01
Say hello
Message KoreX on WhatsApp number or dial USSD string. Both open the same account.
No download
02
Prove who you are
Your BVN and a photo of your ID. It takes one pass, not three.
One pass
03
Set your PIN
Four digits. Nothing leaves your account without it, on any channel.
Four digits
04
Your number appears
An account number lands in the chat. Money can arrive immediately.
Same thread
Support, coverage and languages
Reach a person
Type the 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, 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.
No app to download. No bundle required.