Your Digital Wallet for Everything

Multi-currency wallet with QR payments, tap-to-pay, bill payments, remittance, and AI-powered financial insights. All in one app.

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Everything You Need in One Wallet

Manage your money, make payments, and grow your savings with intelligent features

Multi-Currency Wallet

Hold GHS, NGN, USD, EUR, GBP, AED, INR, and crypto (USDT) in one wallet. Convert instantly at competitive rates.

Scan to Pay

Scan QR codes at any merchant to pay instantly. No cash, no cards, just your phone.

Tap to Pay

Use NFC to tap your phone at contactless terminals. Works everywhere cards are accepted.

Bill Payments

Pay utilities, telecom, insurance, and subscriptions directly from your wallet. Set up auto-pay for recurring bills.

Send Money

Transfer money to friends, family, or businesses instantly. Domestic and international remittance supported.

AI Concierge

Get personalized spending insights, savings tips, and budget recommendations powered by AI.

Pay Your Way

Multiple payment options for every situation

QR Code

Scan merchant QR codes for instant payment

NFC Tap

Tap your phone at contactless terminals

Virtual Card

Generate virtual cards for online shopping

Payment Links

Pay via links shared on WhatsApp or SMS

AI Financial Concierge

Your personal AI assistant analyzes your spending patterns, suggests savings opportunities, and helps you make smarter financial decisions.

  • Personalized spending insights and category breakdowns
  • Smart savings recommendations based on your habits
  • Bill payment reminders and subscription tracking
  • Budget alerts when you're overspending

Sample AI Insights

Savings Tip

You could save GHS 120/month by switching to a cheaper data plan. Want me to compare options?

Budget Alert

You've spent 85% of your dining budget this month. Consider cooking at home more often.

Bill Reminder

Your electricity bill (GHS 85) is due in 3 days. Tap to pay now.

Multi-Currency & Crypto Support

Hold and convert between multiple currencies instantly

Fiat Currencies

🇬🇭
GHS
Ghana Cedi
🇳🇬
NGN
Nigerian Naira
🇺🇸
USD
US Dollar
🇪🇺
EUR
Euro
🇬🇧
GBP
British Pound
🇦🇪
AED
UAE Dirham
🇮🇳
INR
Indian Rupee
🇿🇦
ZAR
South African Rand

Crypto Wallet

USDT
Tether (TRC-20)

Instant conversion to any fiat currency at competitive rates.

$
USDC
USD Coin

Regulated stablecoin for secure digital transactions.

Real-time conversion between all currencies with transparent fees

Bank-Grade Security

Your money is protected by multiple layers of security

KYC Verified

Full identity verification

Encrypted

End-to-end encryption

Biometric

Face ID & fingerprint

2FA

Two-factor authentication

Ready to Go Cashless?

Join millions of users managing their money with ElRoi Pay

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