ZenvaPay is in build. Nothing here is live yet. We are pre-launch and pre-licence, building on licensed partners’ rails. This site describes what we are building and how. It is not an offer of financial services.
One wallet for everything
you already pay for.
Airtime, data, electricity, cable TV, exam PINs, gift cards and crypto — from a single naira balance, with a receipt for every kobo.
We will email you when accounts open. No account can be opened today.
Illustration of the ZenvaPay interface. Figures are examples.
Everything you top up, renew or pay for.
One balance, one history, one place to look when you need the receipt.
Airtime
Top up any Nigerian network from your naira balance.
Data
Data bundles for every network, in one place.
Electricity
Prepaid and postpaid tokens for your disco.
Cable TV
Renew your subscription without leaving the app.
Exam PINs
WAEC, NECO, JAMB and NABTEB, delivered to you.
Gift cards
Buy gift cards and hold the code in your account.
Crypto
Buy and sell stablecoins against your naira balance.
USD cards
Virtual dollar cards. A later phase, not at launch.
Your balance is a consequence, not a field.
Most systems keep your balance in a column and add to it. We do not have that column. Your balance is the sum of every entry against your account — and the database refuses to accept an entry whose two halves do not match.
It is a slower way to build and a much harder one to get wrong. When something does go wrong, the history is still there, entry by entry, and it still adds up.
Read how we handle securityMoney Flow
Illustration of the ZenvaPay interface. Figures are examples.
The boring parts, done properly.
A double-entry ledger, not a balance column
Your balance is not a number we edit. It is the sum of every entry against your account, and every entry has a matching opposite. The database itself refuses an entry that does not balance — that rule is enforced in the schema, not in code that a script could bypass.
Whole kobo, never a rounded fraction
Every amount in the system is a whole number of kobo. Nothing is stored as a decimal that can drift, and nothing is divided in a way that loses a kobo between the parts. The code refuses a fractional amount rather than rounding it quietly.
A timeout is never treated as a failure
When a provider goes quiet mid-purchase, we do not guess. The transaction is held as unresolved and a reconciler keeps asking the provider until there is a real answer. Guessing is how somebody pays for the same exam PIN twice.
Where it went
Every purchase is categorised as it happens, so the breakdown is not a monthly guess.
- ₦21,800.00Bills and utilitiesBills and utilities: ₦21,800.00
- ₦16,500.00Airtime and dataAirtime and data: ₦16,500.00
- ₦13,400.00Everything elseEverything else: ₦13,400.00
Illustration of the ZenvaPay interface. Figures are examples.
And what happened
Including the states most apps hide. A purchase we have not heard back about is marked as being checked — never quietly written off as failed.
Illustration of the ZenvaPay interface. Figures are examples.
Want to be told when it opens?
Send us an email and we will let you know. That is the whole list — no newsletter, no sharing it with anyone.