A new player is rising fast in Nigeria’s fintech landscape. Endowpay, the flagship app from Endow Technologies Limited, officially launches with a bold promise: to make everyday payments smarter, faster, and more secure. Built entirely by a Nigerian team and powered by advanced and agentic AI, Endowpay aims to be the answer to the country’s long-standing digital finance frustrations.

Fintech Growth Meets Every day Struggles

Digital payments in Nigeria are booming. In 2024, transaction volumes hit record highs, with over 11 billion transactions processed and the sector attracting over $2 billion in investment. But the growth hasn’t been without pain. Failed transfers, hidden charges, unreliable service, and poor support have left millions of users dissatisfied.

According to recent surveys, nearly half of small businesses express concern about failed payments, and most users still trust traditional banks more than fintech services. With Nigeria shifting toward a cashless future, there’s an urgent need for reliable platforms that truly work.

Endowpay: Built in Nigeria, for Nigerians

Enter Endowpay, an AI-powered, trust infused payment platform designed for real Nigerian challenges. Whether it’s paying utility bills, funding your wallet, gifting airtime, or managing subscriptions, Endowpay streamlines the process in one sleek, intuitive app.

“For too long, we’ve had to tolerate failed transactions, unexplained charges and poor support,” says Dr. Okunola Orogun, CEO and Co-founder of Endow Technologies. “We built Endowpay to put Nigerians first, making sure payments go through the first time, and that help is always a click away.”

The app uses sophisticated and agentic AI to monitor transactions, anticipate failures, and reroute payments instantly. “It’s not just smart,” adds Sunkanmi Ijatuyi, CTO and Co-founder, “it’s proactive. Our AI adapts in real-time to make sure users don’t see the errors they’ve come to expect from other apps.”

What Makes Endowpay Different?

Smart Utility Payments: Pay electricity, water, and internet bills in seconds. Schedule recurring payments to never miss a due date.

Airtime and Data Gifting: Send top-ups to loved ones across any network, with personal messages.
Wallet Funding: Fund your secure wallet via bank transfer, USSD, or card. Make quick peer-to-peer transfers or use it to pay bills instantly.

24/7 AI Support: A built-in chatbot that speaks English and Pidgin, handles real issues, and can carry out tasks like scheduling payments or retrieving receipts.

Subscription Management: Upcoming features will allow users to track and manage all their subscriptions in one place, from Netflix to utility plans.

“Our AI assistant is awake even at 2 AM,” says Ogooluwa Adeoye, Product Lead. “It’s not about showing off tech, it’s about making sure Nigerians always have someone to turn to when they need help with their money.”

Designed for Real Life in Nigeria

Endowpay isn’t just built for convenience, it’s built for resilience. “We designed the app to work with low internet speeds and erratic power,” says Ugochukwu Mmaduekwe, Technical Team Lead. “When your network is shaky, Endowpay doesn’t give up, it retries, reconnects, and completes the job.”

Whether you’re a student buying late-night data, a working mother paying bills, or an HR team gifting staff airtime, Endowpay adapts to your lifestyle. “That human-centered design is thanks to the diversity of our team,” says Abdulkabir Ojuolape, Design Lead. “We built something that we’d personally use every day.”

The mobile experience is seamless, thanks to Ayodele Salimonu, who leads mobile development, while Daniel Ojo, Oluwatobi Odubote, and David Orisabiyi ensure smooth and responsive frontend performance. On the growth side, Alabi Samuel and Adekunle Ademola Adeshina drive user engagement and ensure the app reaches every corner of Nigeria.

“This is homegrown excellence,” adds Ijatuyi. “We’re showing that Nigerian developers, designers, and engineers can build a world-class fintech product from scratch.”

Launch Perks and Waitlist Access

Endowpay is now live, and the company is inviting early adopters to join its exclusive waitlist. Those who sign up receive:

Early access to the app before the public launch

A ₦500 wallet bonus on launch day

A personal referral link to climb the leaderboard and unlock more perks

“This isn’t just an app, it’s a movement,” says Alabi Samuel. “We want our first users to feel like they’re shaping the future with us.”

To join, visit endowco.com and secure your spot. Early testers are already calling it a “game-changer for busy Nigerians”, an all-in-one app that finally delivers on its promises.

A New Chapter in Nigerian Fintech

As Nigeria continues to transition into a fully digital economy, solutions like Endowpay will play a vital role in making finance inclusive, trustworthy, and stress-free. The vision? A seamless, AI-powered financial experience, built on trust, speed, and reliability.

“Our goal is simple, to make every day finance feel effortless”, says Orogun. We’re proud to launch something truly Nigerian, and truly transformational.”

Visit endowco.com to join the waitlist, claim your ₦1500 and 5gb welcome bonus, and experience a smarter way to pay, gift, and stay connected.