Built for the way you actually use money.
Four core features, each built from scratch to remove friction. No compromises.
Transfers
Send money like you send a text.
Type a name or account number, confirm with Face ID, and it lands in under 3 seconds. Paylio routes every transfer through real-time NIBSS rails so there are no delays, no pending states, and no mystery.
- Send to any Nigerian bank, zero delay
- Biometric confirmation on every transfer
- Full transfer history with receipts
- Schedule future-dated payments
Send Money
Adebayo Okafor
Zenith Bank • 0112345678
Amount
₦25,000
Confirm with Face ID
Insights
Know where your money actually goes.
Every transaction is automatically categorised. Food, transport, bills, subscriptions. You see a weekly breakdown the moment you open the app, no manual entry, no spreadsheets.
- Auto-categorised spending from day one
- Weekly and monthly trend charts
- Merchant-level spend breakdown
- Budget alerts before you overspend
June Overview
Food & Dining
42%
Transport
28%
Bills
18%
Cards
A card for every situation.
Create virtual cards instantly for online shopping, subscriptions, or any merchant you do not fully trust. Freeze, unfreeze, or delete any card in one tap. Physical cards ship to your door and work on any Mastercard terminal globally.
- Unlimited virtual cards, instant creation
- Per-card spending limits and controls
- Physical card with worldwide acceptance
- One-tap freeze without closing your account
My Cards
Virtual Card
•••• •••• •••• 4291
Adebayo O. · 09/27
Shopping Card
Limit: ₦50,000
Security
Secured at every layer.
Paylio uses the same encryption standard as Nigeria's tier-1 banks. Every session is monitored for anomalies. If something looks off, the account locks before a transaction can complete.
- 256-bit AES encryption end-to-end
- Real-time fraud detection on every transaction
- Biometric authentication, no SMS OTPs to intercept
- Instant full account lock from the app
Security
Face ID Lock
Transaction Alerts
Fraud Detection
Device Trust