In late 2025, I watched one of my engineers doing something I had never really stopped to think about. He had opened his phone's notes app and was carefully typing out his expenses — fuel, food, transport — one by one, trying to figure out why his salary had disappeared again before the month was over.
He looked up and said something like: "I don't understand it — everything is going on transport."
That moment stayed with me. Because I knew this wasn't just him. This is the reality for millions of Nigerians — engineers, traders, teachers, students, market women — people who earn, who try to save, but who have no clear picture of where their money goes.
The existing solutions weren't built for us. Spreadsheets require discipline that real life doesn't always allow. Budget apps need you to change your behaviour just to use them. Bank apps show you what happened, not why, and not what to do next.
We needed something radically simpler. Something that worked in the same place, in the same language, in the same moment that money moves — which, for most Nigerians, means WhatsApp.
So we built Tally AI. Not a bank. Not another fintech app. Just a personal accountant — living in your WhatsApp — that understands how you actually talk, tracks every naira you log, and helps you see the full picture of your finances at any time.