No. wisemonie is not a bank and does not hold deposits. Your money is held with Rubies Microfinance Bank, our licensed banking partner regulated by the Central Bank of Nigeria. wisemonie provides the envelope structure and the release schedule on top of that banking layer.

Small transfer fees apply (similar to what your bank already charges, ₦13 for transfers under ₦5,000). Core envelope features are free. Optional premium features for shared family envelopes, advanced analytics, and business mode are available on opt-in subscription. All fees are shown clearly in the app before any transaction. No surprise charges.

Private beta opening soon · Built on regulated Nigerian rails

Budget & spend directly from the budget.

Q: Will wisemonie lock my money?

Only if you ask it to. wisemonie has two types of envelopes: scheduled (open on a day and time you choose, like Monday lunch at 11am) and hard-locked (sealed until a date you set, like rent saving until the 30th). You decide which envelopes lock and which release. wisemonie just enforces what you decided.

Q: Can I change my money plan?

Yes, anytime. Your week is yours. When life changes: new job, baby coming, partner moves in, new church, you update your envelopes and the new week starts running. Hard-locked envelopes have their own unlock rules that you set up front, but everything else is editable.

Q: What happens if I try to spend beyond my limit?

The envelope tells you it's empty for today. You can either wait until the next scheduled release, move money from a flex envelope, or override the rule manually if it's an emergency. wisemonie doesn't block you against your will. It just makes sure you know which envelope you're spending from.

Q: Who is wisemonie for?

Anyone running a real week on a finite income: salary earners, students, freelancers, business owners, couples managing shared obligations. If your life has multiple recurring commitments (rent, tithe, family, partner, daily essentials) and one or two income streams, wisemonie was built for you.

Q: When will the app launch?

Private beta is opening in phases now. Join the early-access list to be invited as we open more spots. Public launch on Android and iOS is coming shortly after.

Wisemonie splits one salary into the rhythms of your actual week.

Your income splits into envelopes for transport, food, offering and family, each releasing on the day you set. You spend from your plan, not around it.

Join the waitlist See how Wisemonie runs your week →

WisemonieSat 9:00am

Your 'Parents' envelope just released ₦5,000. Ready to send.

Wisemonie app home screen: a ₦30,824 balance with budgets and envelopes

WHY WISEMONIE

Your salary lands once a month. Your life happens every day.

Salary lands on the 25th.In 30 minutes your brain has it all planned: rent, tithe, ₦25K to mum, transport, a little for the weekend.

By Friday,you've lost track of what's left. The bank shows one big number; the plan lived in your head. They never match.

You don't have a money problem. You have a week problem. Nothing in your account knows what day it is. Wisemonie does.

Wisemonie runs the week.

THE PROBLEM

One account. Ten commitments. No structure.

One balance that won't tell you which money belongs to what. The result isn't failure. It's exhaustion.

What ₦200,000 really looks like

₦80K

₦25K

₦20K

₦15K

₦60K

Rent ₦80K
Tithe ₦25K
Family ₦20K
Debt ₦15K
Left to live ₦60K

₦140K is already spoken for before the week starts. Only ₦60K is actually yours.

Monday morning.

₦200K in the app. You feel rich, until you remember ₦140K is already rent, tithe, mum and debt. This week is really ₦60K.

Wednesday service.

Church in two hours, and you're doing maths in your head for offering you meant to set aside on payday.

Saturday call to mum.

You meant to send ₦5K every Saturday. Third one skipped, not because you don't have it, but because you're not sure you do.

Friday night.

“Let's just stay in,” you tell your partner, because you can't tell if there's money for a date. So you skip it. Again.

It all stops the moment your week is structured the way your life is.

Set your week once. Let it run on its own.

THE SOLUTION

Give every day of your week its own money.

One salary, split into envelopes that match your week, each releasing on the right day. You stop deciding; the week decides for you.

Monday lunch shows up on Monday.

₦3,000 in “Work lunch,” released Mon/Wed/Fri at 11am. Tue and Thu it stays shut, so you pack lunch without thinking.

Sunday offering is sacred again.

₦2,000 in “Offering,” locked until Sunday 8am. When the basket comes, you give without doing maths.

Mum gets her ₦5K every Saturday.

Automatic, same time every week. She knows it's coming; so do you. No willpower, no remembering.

Friday night money is Friday night money.

₦15,000 in “Chillout,” released Friday 6pm. Go out without dipping into rent or starting Monday behind.

9:41

Good morningAda

Available this week₦248,500

FundEnvelopes

This week5 of 7 envelopes

TransportOpens 7:00am · daily₦1,500Ready
Work lunch11am · Mon/Wed/Fri₦3,000Ready
Sunday titheOpens Sun · 8:00am₦15,000Sun
MumSends Sat · 9:00am₦5,000Sat
Rent savingLocked · until the 30th₦80,000Locked

Live allocation

TransportNGN 0

FoodNGN 0

BillsNGN 0

FEATURES

The mechanics that make your week run itself.

Every feature puts the right money on the right day, so you stop carrying the week in your head.

Smart Money Envelopes

One envelope per real commitment: Monday lunch, tithe, mum, rent, Friday date. Each holds real money, kept separate.

Scheduled Releases

Each envelope opens on a set day and time: transport 7am weekdays, offering 8am Sunday, parents 9am Saturday. Your week runs on a clock.

Essential-First Allocation

On payday, rent, tithe, parents and savings are filled first. Whatever's left is flex money you can spend without guilt.

Spending Rules

Lock high-stakes envelopes like rent and tithe so you can't raid them; let soft ones release on schedule. You set the strictness.

Bill and Airtime Flows

Pay data, electricity, DStv and airtime from the envelope that owns each bill. Bill money never comes from lunch money.

Real-Time Position

See what's in every envelope right now: released, locked, or coming. Not one confusing balance.

Spending History by Purpose

See where money went by life category. Not "47 transactions in May" but "Lunch ₦18K, Tithe ₦8K, Mum ₦20K, Date ₦12K." Receipts that match your life.

AI Money Assistant

Tell it about an unusual week, like a wedding or school fees, and it adjusts your envelopes without breaking the rest.

HOW IT WORKS

Set your week once. Live it every week.

Fund your wallet.

Move your income in on payday. It's held by our licensed banking partner on regulated Nigerian rails, not by us.

Build your week.

Walk through your normal week: Monday lunch, Wednesday offering, Friday date, Saturday mum, Sunday tithe, transport, rent. Each becomes its own envelope.

Set the release rhythm.

Transport 7am weekdays, lunch 11am Mon/Wed/Fri, offering 8am Sunday, parents 9am Saturday, rent locked until it's due. Your week now runs on a clock.

Live the week.

Spend straight from the envelope of the moment: lunch from lunch, tithe from tithe, mum's money from Parents. When today's is empty, it's empty. Tomorrow's opens on its own.

YOUR WEEK ON WISEMONIE

This is what one funded week looks like.

Salary lands on the 25th. By 30 minutes later, your whole week is set. Here's what runs on its own from then on.

Mon

7:00amTransport₦1,500

11:00amWork lunch₦3,000

EveningDaily essentials₦500

Tue

7:00amTransport₦1,500

EveningDaily essentials₦500

Wed

7:00amTransport₦1,500

11:00amWork lunch₦3,000

6:30pmService offering₦1,000

EveningDaily essentials₦500

Thu

7:00amTransport₦1,500

EveningDaily essentials₦500

Fri

7:00amTransport₦1,500

11:00amWork lunch₦3,000

6:00pmChillout / date₦15,000

EveningDaily essentials₦500

Sat

9:00amSend to parents₦5,000

Flex dayPersonal flex₦8,000

Sun

8:00amTithe₦15,000

Total weekly outflow~₦67,000

Total monthly weekly-flow~₦268,000

Plus: Rent saving ₦80,000 (locked, releases on due date) · Debt payment ₦15,000 · Emergency reserve ₦10,000 (released only with reason) · Savings sweep ₦25,000

Your ₦450,000 salary is fully accounted for, by day, for a month. You don't budget. You just live the week.

WHO IT'S FOR

Built for anyone running a real week on a finite income.

If you've ever opened a second account to hide money from yourself, you get it. You're not undisciplined. You're running too many commitments through infrastructure that can't separate them.

Salary earners

Rent, tithe, family, food, transport, a partner. Every month, with no built-in separation.

Students

NYSC allowance, money from home and side gigs, all through one account that treats it as the same money.

Freelancers

Lumpy income: one project payment that must last three months across tax, savings, family and daily life.

Small business owners

Business, personal, family and tithe money all sitting in one account, with no easy way to separate them.

Couples

Shared rent and school fees, separate tithes and family obligations. Two incomes, zero shared visibility.

Wisemonie was built for one core insight: your life has rhythms. Your money should follow them.

TRUST & SECURITY

Your money lives with a regulated bank. Wisemonie just runs the week.

Your money sits on regulated banking infrastructure. Wisemonie adds the structure and timing on top.

Regulated infrastructure

Your funds sit with our licensed partner, Rubies Microfinance Bank, under CBN regulation. We don't hold your money. We hold the rules and timing: when each envelope opens, what's protected, what's available today.

User-controlled rules

Every lock, limit and release is something you turn on, not something we impose. You can change it when life changes.

Transparent fees

Any transaction fees or penalties show clearly before activation. No surprise charges.

Budget & spend directly from the budget.

Your salary lands once a month. Your life happens every day.

One account. Ten commitments. No structure.

Monday morning.

Wednesday service.

Saturday call to mum.

Friday night.

It all stops the moment your week is structured the way your life is.

Give every day of your week its own money.

Monday lunch shows up on Monday.

Sunday offering is sacred again.

Mum gets her ₦5K every Saturday.

Friday night money is Friday night money.

The mechanics that make your week run itself.

Smart Money Envelopes

Scheduled Releases

Essential-First Allocation

Spending Rules

Bill and Airtime Flows

Real-Time Position

Spending History by Purpose

AI Money Assistant

Set your week once. Live it every week.

Fund your wallet.

Build your week.

Set the release rhythm.

Live the week.

This is what one funded week looks like.

Mon

Tue

Wed

Thu

Fri

Sat

Sun

Built for anyone running a real week on a finite income.

Salary earners

Students

Freelancers

Small business owners

Couples

Your money lives with a regulated bank. Wisemonie just runs the week.

Regulated infrastructure

User-controlled rules

Transparent fees

Join the early-access list.

Questions people ask before joining.

Is wisemonie a bank?

Will wisemonie lock my money?

Can I change my money plan?

What happens if I try to spend beyond my limit?

Who is wisemonie for?

When will the app launch?

Will there be fees?

Give your money structure before the pressure starts.