Bridging the Gap Between Innovation and Experience
Nigeria’s digital payment sector is booming. In 2024 alone, over 11 billion transactions were processed, and the industry pulled in more than $2 billion in investment. Yet, for the average user, the journey hasn’t always been smooth. Failed transfers, poor customer support, and opaque charges remain everyday frustrations.
Surveys show nearly half of small businesses in Nigeria cite payment failures as a significant concern, and many still place greater trust in traditional banks than in fintech apps. In a country rapidly embracing a cashless future, the demand for dependable digital platforms has never been more urgent.
Endowpay: Built in Nigeria, for Nigerians
Endowpay steps into this landscape as a platform tailored specifically to local realities. From paying utility bills and gifting airtime to managing subscriptions and wallets, the app streamlines daily financial tasks into a single, AI-augmented experience.
“For too long, we’ve had to tolerate unreliable services,” says Dr. Okunola Orogun, CEO and Co-founder of Endow Technologies. “We created Endowpay to ensure payments succeed the first time—and that help is always just a tap away.”
The app’s AI doesn’t just automate tasks—it actively anticipates and resolves issues before they affect the user. “Our system is agentic,” explains CTO and Co-founder Sunkanmi Ijatuyi. “It reroutes payments in real time, learns from errors, and adapts to user behavior. It’s proactive, not reactive.”
Key Features That Set Endowpay Apart
- Smart Utility Payments: Pay electricity, water, or internet bills in seconds. Schedule recurring payments and get reminders before due dates.
- Airtime and Data Gifting: Send airtime to any Nigerian network with personalized messages.
- Secure Wallet Funding: Top up your wallet via transfer, card, or USSD, and use it for instant bill payments or peer-to-peer transfers.
- AI-Driven 24/7 Support: An integrated chatbot—fluent in both English and Pidgin—resolves issues and even helps schedule payments or retrieve receipts.
- Subscription Management (Coming Soon): Track and control all your recurring subscriptions, from streaming services to internet plans, in one place.
“Our AI assistant is always available—even at 2 AM,” says Ogooluwa Adeoye, Product Lead. “This isn’t about showing off technology; it’s about building dependable, local solutions that serve Nigerians wherever and whenever they need it.”
Designed for Nigeria’s Everyday Realities
Beyond features, Endowpay is built to thrive in Nigeria’s often unpredictable infrastructure. “We designed the app to handle low bandwidth and unstable power,” says Ugochukwu Mmaduekwe, Technical Team Lead. “If your network cuts out mid-payment, the app will reconnect and complete the transaction without fuss.”
This functionality is the result of a deeply collaborative, cross-disciplinary team—from Ayodele Salimonu’s streamlined mobile development, to Daniel Ojo, Oluwatobi Odubote, and David Orisabiyi’s work on the fast, responsive frontend. Driving growth and outreach, Alabi Samuel and Adekunle Ademola Adeshina are ensuring Endowpay reaches every corner of Nigeria.
“We’re proud to build a product we use ourselves,” says Design Lead Abdulkabir Ojuolape. “Every interaction, every screen, is shaped by the people who live and work here.”
Launch Bonuses and Early Access
Endowpay is now live, with a limited-time waitlist offering exclusive perks:
- Early access before the public release
- ₦500 wallet bonus upon launch
- A referral program that rewards early adopters with additional perks
“This is more than an app—it’s a community,” says Alabi Samuel. “We want our users to feel ownership of a platform that truly works for them.”
To sign up, visit endowco.com and reserve your spot. Early users are already praising it as a “game-changer for busy Nigerians.”
Ushering in a New Era for Nigerian Fintech
As Nigeria continues its digital transformation, platforms like Endowpay are poised to play a vital role in reshaping how people manage and move their money. Built locally, with global standards and local insight, Endowpay may well be the fintech solution millions have been waiting for.
“Our goal is simple,” says Orogun. “To make everyday finance effortless. This is Nigerian innovation at its best.”
Join the waitlist now at endowco.com to receive your ₦1500 and 5GB welcome bonus—and experience a smarter, faster way to pay, gift, and connect.