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
fi NGN 24,500 ránṣẹ́ sí màmá mi ní 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.
Chidinma
0123456789
GTBank
for the ankara
This month
Mama20,000
Bro Sola8,500
Sister7,000
School fees6,000
all41,500
Transfer successful
TO . . . . 9012345678
BANK . . . Wema
AMT . . . . NGN 24,500.00
TIME . . . 11:42:07
REF . . . . 8841QK20
- - - - - - - - - - - -
Voice note · 0:06
“Send five thousand give my mama for UBA”
What you hand it
Paper still runs this market.
Point your camera at it.
Somebody writes their account number on a scrap and hands it to you. Photograph it and KoreX reads the digits, resolves the bank, and shows you the name on the account before a naira moves.
- Account
- 0123456789
- Bank
- GTBank
Send to everyone at once.
The list you wrote at the back of a notebook becomes one batch. KoreX reads every line, totals it, and asks for a single PIN instead of four separate transfers.
- Recipients
- 4 read, 4 matched
- Total
- ₦41,500
Read it, then check it.
Somebody says they have sent you money and shows you a slip. KoreX reads it and tells you what it says. Separately, it tells you whether the money is actually in your account.
- Slip says
- ₦24,500 at 11:42
- Destination
- Matches your account
Say it however you say it.
Most people talk faster than they type. Say it in English, Pidgin, Yoruba, Hausa or Igbo and KoreX turns it into the same structured instruction as everything else.
- Heard
- Pidgin, 6 seconds
- Recipient
- Mama, saved contact
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 object, many transports
The channel is a delivery detail.
Everything in KoreX is one request in one of three modes. You are paying, somebody is paying you, or somebody is paying you and gets something redeemable back. A ticket is the third mode, which is why the door cost almost nothing to add.
Each channel is an adapter that knows how to render a request and what it costs. Adding one changes nothing else.
Payer needs: Data
Buttons and a receipt
SMS
Payer needs: Any phone
160 characters, hard limit
USSD
Payer needs: No data
Works on a feature phone
Voice
Payer needs: Any phone
Five languages
Payer needs: An inbox
Carries the PDF
Pay link
Payer needs: A browser
No account needed
Telegram, Instagram, Messenger, printed QR and NFC use the same interface. RCS is designed for and switched on when carrier coverage justifies the work.
Cost aware routing
It asks, then it knows when to stop.
Chasing a friend is not the same as chasing a customer. The same router runs, on a much shorter leash. Keep scrolling.
Spent so far
₦18₦22₦29₦29₦29
01WhatsApp
Immediately · ₦18
Bashir owes his ajo contribution this cycle. He reads WhatsApp, so KoreX asks there first, in your name.
02SMS
After 6 hours of silence · ₦4
Cheap, and it reaches him whether or not his bundle is finished.
03USSD
After 24 hours · ₦7
No data session in four days. A menu lets him pay without one.
04It stops asking
After two nudges
A friend is not a debtor. Two unanswered asks and KoreX hands it back to you rather than becoming a nuisance.
05Paid, everyone sees it
The moment it lands
The contribution posts to the same ledger every member reads, so nobody has to take your word for it.
₦29
spent chasing this one
6
channels it can pick from
0
screenshots anyone sends
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
Reconciliation
Nobody has to send a screenshot.
Every request gets its own account number. Your customer transfers to it from the banking app or USSD code they already use, and because that account belongs to that one request, the credit matches itself the moment it lands.
The number is thrown away afterwards, so nobody ends up holding a permanent account number of yours that they can pass on.
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
Whoever is paying you
their own bank app
A licensed partner
holds and settles
Your own bank account
where it ends up
Where the money sits
It never stops here.
The solid line is money. It runs from whoever is paying, through a licensed partner, into the account you already own. The dashed line is KoreX, and it carries instructions.
That is why there is no wallet to fund before you can send anything, and nothing of yours stranded if you stop using it.
₦0
KoreX ever holds
1
account you already own
0
wallets to fund first
The awkward part
What happens when it goes wrong.
Every one of these is a normal Saturday rather than an edge case, so each one has a designed answer instead of a support ticket.
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
Personal is free. Business pays on what arrives.
Everything on the personal side costs nothing: transfers, bills, airtime, data, spending, ajo, and every channel. On the business side KoreX takes collection % of money that actually lands, so a quiet month costs you nothing, and charging per chase would only reward chasing badly.
Starter
A stall, a chair, a side business
Starter price
- Invoices and chasing
- Two staff on the account
- Bulk transfers up to 5 people
- Ticketing for one event at a time
Trade
Most take thisA shop, a salon, a small team
Trade price
- Everything in Starter
- Ten staff on the account
- Bulk transfers up to 50 people
- Unlimited events and gate scanners
- Sales summaries and tax records
Scale
Multiple locations, or an app of your own
Scale price
- Everything in Trade
- Unlimited staff
- Payments API and webhooks
- Dedicated account manager
KoreX and Kampe
One knows what you hold. The other knows what you are owed.
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 are owed, and Kampe reads it as income that has not landed yet.
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
Three unpaid invoices, and a spendable number that is true about balances and blind about income.
With it
₦840,000 is owed to you, and ₦310,000 of it is more likely than not to arrive before the 28th.
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.