Built around intelligent technology.
Conversation and AI sit at the centre of the product, not bolted on to the side.
Join the pre-launch waitlist
Chat withyour money.
Your money now understands you.
Talk, type, or snap. PlutoPay uses intelligent AI to understand your financial instructions and help you manage transactions with ease.
Free to join Takes under a minute No card or ID details
PlutoPay
Send ₦5,000 to Mum
AI
Got it! Sending ₦5,000 to Mum now…
Payment successful!₦5,000Sent to Mum
View ReceiptSend AgainHome
Conceptual product preview. Not a live interface.
Your money should understand you.
Traditional financial apps make you hunt through menus, forms and screens. PlutoPay is designed around a more natural way to handle money: say what you want, and let the assistant do the legwork.
- 1
You talk.
Type, speak or snap, in plain language.
- 2
PlutoPay understands.
It's designed to read the intent and the details of your request.
- 3
You confirm.
Designed so you approve the details before money moves.
- 4
PlutoPay processes.
The transaction is processed and a receipt is shared.
PlutoPay AssistantConcept preview
Send ₦20,000 to David
AI
Sending ₦20,000 to David. Confirm?
ConfirmCancel
Confirm
AI
Payment processed.
Sent to David₦20,000Receipt ready
Illustrative conversation. Not a live product interface.
One intelligent financial assistant
For everyday payments, digital assets and global transactions.
These are planned capabilities and part of what we're building. They'll roll out in phases, and availability will be announced closer to launch.
Speak to your money in your language.
From local conversations to global transactions.
Multi-language interaction is part of the PlutoPay product vision. The final list of supported languages will be confirmed before launch.
From local payments to global transactions.
One intelligent financial experience for everyday payments, digital assets, multi-currency activity and international transactions.
Supported currencies, countries and services will be confirmed as we approach launch.
- Fiat
- Crypto
- Airtime
- Bills
- Global payments
- Multi-currency
AI that understands. Payments that move.
PlutoPay combines conversational AI with a financial transaction engine, multi-currency infrastructure, automated workflows and intelligent risk controls.
Step 1Talk
Voice, text or image.
Step 2Understand
Extract intent and transaction details.
Step 3Verify
Security and risk checks.
Step 4Process
Execute the transaction.
Step 5Pay
Confirmation and receipt.
A conceptual view of how PlutoPay is designed to work.
Product preview
Experience what we're building.
Concept screens that show the direction of the product. All names, balances and amounts are illustrative demo values.
Be first to experience PlutoPay.
Join the PlutoPay pre-launch waitlist and be among the first to know when the next generation of intelligent payments is ready.
- Launch updates as we get closer to release
- Free to join, with just five quick details
- We never ask for card details, BVN, NIN or passwords
You're on the list.
Thanks for joining the PlutoPay waitlist. We'll keep you updated as we get closer to launch.
Preview mode: the waitlist API isn't connected yet, so this sign-up wasn't stored. See
CONFIG.apiBaseUrl in the page script.The principles behind PlutoPay.
No inflated numbers, no borrowed logos. Just what we're aiming to build and how we intend to build it.
Designed for secure financial interactions.
Verification and risk checks are part of the design from the first step of every transaction.
Created for a connected financial world.
Local payments, multiple currencies and international activity, all within one experience.
Where we are today: PlutoPay is pre-launch. The features and screens on this page show our product vision and are not live yet. We'll be clear about what's available, and when, as we get there.
Frequently asked questions
What is PlutoPay?
PlutoPay is an AI-powered financial technology platform designed around conversation. Instead of navigating menus and forms, you'll be able to tell PlutoPay what you want to do with your money, and it's designed to help you get it done.
When is PlutoPay launching?
We haven't announced a launch date yet. Everyone on the waitlist will be among the first to hear updates as we get closer.
Who is PlutoPay for?
PlutoPay is being designed for individuals, students, freelancers, business owners, merchants and developers, in short, anyone who wants a simpler way to handle everyday and global financial tasks.
What can I do with PlutoPay?
Our planned capabilities include conversational payments, multi-currency wallets, airtime and data, bills, international transfers, virtual cards, supported digital assets and AI-powered support. These will roll out in phases, and we'll announce what's available at each stage.
Does PlutoPay support multiple currencies?
Multi-currency wallets are part of the planned product. The specific currencies available at launch will be confirmed closer to release.
Can I use PlutoPay for international transactions?
PlutoPay is designed to make cross-border transactions simpler. Supported countries, routes and requirements will depend on regulations and partners, and we'll share details before launch.
Will PlutoPay support cryptocurrency?
Support for supported digital assets is part of our product vision. Which assets are available, and where, will depend on regulatory requirements and will be announced before launch.
Can I interact with PlutoPay using natural language?
Yes, that's the core idea. PlutoPay is designed so you can talk, type or snap, and it works out what you mean. We're planning multi-language interaction too, and the list of supported languages will be confirmed at launch.
How do I join the waitlist?
Fill in the short form in the waitlist section with your name, email, phone number, country and user type, then select "Join the Waitlist".
Will joining the waitlist cost anything?
No, joining is free. We only ask for five basic details, and we'll never ask for card details, BVN, NIN, passwords or bank account information on the waitlist.