Now in private beta · Nigeria & Ghana

Your money.
Your future. Your peace.

Abiora makes saving, sending, and managing money simple through WhatsApp and Telegram — no complicated app required.

Start Saving Join Abiora Open in Telegram

PIN-protected transfers

Instant transfers

Built for a global generation

The Product

Three surfaces. One Abiora Wallet.

Every Abiora experience is built on the same wallet. Switch between WhatsApp, Telegram and the Mini App — your balance follows you.

Your wallet, inside WhatsApp.

Chat with Abiora to save, check your balance, send money and view live rates — with no app to install.

Instant onboarding, no downloads
Live FX and a real-time balance
Receipts you can keep for records

Fast commands. Instant receipts.

Top up, send money and pay everyday services from Telegram — perfect for power users who love speed.

Instant onboarding, no downloads
Live FX and a real-time balance
Receipts you can keep for records

Mini App

A calm dashboard, one tap away

The Abiora Mini App opens inside Telegram — savings, goals, referrals and a live dashboard for your money.

Instant onboarding, no downloads
Live FX and a real-time balance
Receipts you can keep for records

Features

Everything you need. Nothing you don't.

Save money digitally

Build savings goals and grow a peaceful financial future.

Send money instantly

Move money in seconds to anyone with an Abiora ID.

Manage your future

One calm dashboard for every balance, goal and payment.

Pay everyday services

Airtime, data and bills — paid straight from chat.

WhatsApp & Telegram

Two familiar surfaces. One Abiora Wallet.

No new app to learn

Live inside the messengers you already use every day.

Transaction history

Every transaction gets a receipt with a reference number you can keep.

Abiora ID

One friendly ID to receive money from anyone, anywhere.

Secure PIN

Every transfer confirmed with your private PIN.

Peaceful by design

Calm colours, clear language, zero pressure.

How it works

From hello to peace of mind.

Connect

Open WhatsApp or Telegram and say hi to Abiora.

Create your wallet

Set your PIN and claim your Abiora ID.

Save with peace

Top up and grow your Abiora Wallet at your pace.

Send & pay

Send money, pay airtime and manage your future in one place.

Invite & Earn

Invite friends. Earn together.

Share your invite link. When a friend joins Abiora, funds their wallet and buys ₦200 (or GH₵3) airtime, you each get $1 — up to $100.

Ambassador tiers

Bronze5 referralsSilver25 referralsGold50 referralsDiamond100 referrals

Security

Built to protect your money.

6-digit PIN on every transaction

You approve every transfer with a private PIN — no PIN, no movement of funds.

PINs stored encrypted, never in plain text

We hash and encrypt PINs, so no one — including us — can read them.

PIN locks after 5 wrong attempts

Repeated wrong PINs automatically lock the account until you verify it's you.

Balances backed up continuously, offsite

Your balance and history are replicated offsite so your money is safe, even if hardware fails.

Why Abiora

A global fintech, headquartered in Africa.

Billions already live inside WhatsApp and Telegram. Abiora meets you there — no downloads, no app switching, no complicated onboarding. Just a calm conversation that helps you save, send and manage the money you work hard for.

🌍 Global by design🇳🇬 Nigeria🇬🇭 GhanaEurope & diaspora next

Fees on transfers

<60s

To create a wallet

24/7

Live inside chat

Countries at launch

Product surfaces

On every transfer

FAQ

Answers, upfront.

Ready for a calmer way to manage money?

Join the Abiora beta and be first to experience peaceful, premium finance — right from chat.

Your money.Your future. Your peace.