The future of bankingis voice-first
An AI-native financial OS with one secure money graph for how people pay and move cash. Snap a bill or slip and pay. Say it or tap it to send. Chat in your local natural language.
A copilot that learns you: It knows and understands you in your own local language and your biometric voice. It listens, understands, and acts.
Round snapshot
Scale on the rails
Investment Overview
The Problem
Many African fintech apps, yet 500M+ still excluded; voice in local languages is the bridge
~$47B mkt by 2028Our Solution
Bank with zero mobile data via telephone, plus SMS, USSD, WhatsApp, chatbot & voice
No-data telephonyMarket Opportunity
~$65B Africa FinTech revenue pool by 2030 (BCG)
$1.4T global MM flowsBusiness Model
8 diversified revenue streams with superior economics
70%+ gross marginsTraction & Roadmap
85% product complete, clear path to profitability
85% completeProduct preview
Payments, then PiggyVault, bills, gifts, insurance, crypto, and investing — one animated loop.
Animated flowInvestment Ask
Global + African LPs · milestone-led round structure
Use of funds & returnsThe three Es — how we execute
Exposure, ease of access, and efficiency bridge our mission to the product investors diligence.
Mission
Mainstream banking-grade tools through one trusted, AI-native platform—less fragmentation and cognitive load, helping customers see, use, and grow with access, education, security, and choice ahead of hype.
Vision
Banking not gatekept by complexity or geography—voice, chat, SMS, USSD, and familiar channels as first-class. Financial depth without unnecessary friction for Africa and the diaspora.
Exposure
One trusted surface for payments, savings, investments, business tools, and commerce, so users see the full picture.
Ease of access
Complexity kills adoption—we make advanced tools reachable.
Efficiency
Clear personal and business views, timely signals, and less mental load on every money decision.
Traditional Bankingis Broken
Gen Z and millennials want to bank like they talk to ChatGPT, but no incumbent offers true conversational finance at scale.
In Africa, multiple fintech apps compete for the same slices of the market, yet a financially excluded population of over 500 million people remains, while African fintech revenue is estimated at roughly $47 billion by 2028. Another grid of apps and forms will not bank the next half-billion. Voice AI in local languages, local accents, and voices users can make their own is what can actually reach them.
Apps everywhere, exclusion still massive
500M+ financially excluded · ~$47B African fintech by 2028
Africa already has a crowded field of fintech apps, yet a financially excluded population of well over 500 million people remains, even as the continent’s fintech market is estimated at about $47 billion by 2028. Menus, forms, and English-first UX do not reach most real-world users. Only voice AI in people’s local languages, local accents, and customizable to their own voices can close that gap at population scale.
Fragmented Experience
Users juggle 5–8 apps
Banking, investing, insurance, and bills all scattered across different apps.
Complex Processes
Multiple screens & menus
Simple tasks like sending money can take 8+ taps and 2+ minutes.
No Intelligence
Banks don't understand you
No predictive insights, no contextual understanding, zero personalization.
The Fundamental Gap
Users want conversational banking but are stuck with menu-driven interfaces from the last decade.
Massive & growing market
Africa-led FinTech growth plus Nigeria-scale instant payment throughput. Nigeria first, with room to expand.
①Primary audience
- Young adults & digital natives: mobile-first, AI-comfortable
- High frustration with fragmented banking + bill apps
- Voice / low-data journeys matter (connectivity uneven)
②Secondary audience
- SMEs, merchants & side-hustles needing ops + money in one place
- Payroll, invoicing, expenses, and cash visibility
- Automation that saves hours every week
AI-native banking platform
The first wave of digital finance where AI is the interface, not a bolt-on.
Transact with no mobile internet using a telephone call
Users can move money and pay bills over a standard phone line when data is off, expensive, or unreliable. One secure account graph, reachable without opening an app.
Same platform, every channel
Handwritten account details on POS slips and counter signs—scan once, pay without retyping.
A pattern millions see every day: POS agents and shops posting bank name + account number in handwriting on paper, cardboard, or a notebook. Easy Scan-to-Pay reads that text—printed or scribbled—pulls the right fields, prefills the transfer on your one account graph, and you confirm in a tap. No more squinting and fat-fingering digits.
- Tuned for counter reality: tilted photos, faint ink, and messy handwriting on transfer details
- Extracts amount, bank, and account lines so you are not copying 10 digits by hand
- Review before send—same in-app rails once you tap confirm
Transfer to (handwritten)
GTBank · 0123456789
₦ 24,500.00
Account + amount from handwriting
Ready to pay
One tap to confirm
Core innovation
Dial in and complete sends, airtime, bill pay, and balances over a normal phone call, with no mobile internet or smartphone required.
“Send ₦25,000 to Tunde for rent” → confirmed in seconds
Snap a bill or receipt → AI extracts amount & payee → one tap to pay
Payments + SME tools + treasury + AI assistant on one graph
How it works
Speak naturally
“Pay my electricity” or “Buy $50 of BTC” in plain language.
AI understands context
Recipients, amounts, and intent parsed with guardrails + step-up auth.
Smart confirmation
You review; approve with biometrics, PIN, or voice where allowed.
Instant execution
Settlement on instant rails with receipt and audit trail.
Traditional vs LazerVault
One account graph
Beam · open banking · consumer + SME + group finance · AI budgeting, orchestrated in one product surface.
Service map
Everything investors can diligence (consumer, SME, AI channels, open banking hooks) in one product surface.
Payments & Money Movement
- Send Funds
- Batch Transfer
- Tag Pay
- QR Pay
- Contactless Pay
- AI Scan to Pay
- IDPay
- Beam
- Pay via email / phone / username
Bills & Everyday Spend
- Bills Hub (utilities)
- Airtime
Wealth & Treasury
- Invest
- Stocks
- Exchange (FX)
- Crypto
- Auto-Save
- PiggyVault (Lock Funds)
- Crowdfund
Commerce
- Invoices
- Gift Cards
Shared / Family / Group Finance
- Joint Funds (Group Account)
Business Operating Stack
- Business Dashboard
- Business Analytics
- Payroll
- Customers
- Expenses
- Inventory
- Taxation
AI + Conversational Channels
- LazerSpray
- Income & expense statistics
- AI-powered budgeting (income & expenses)
- AI Chat banking
- Voice banking
- Phone Banking (telephony)
- WhatsApp Banking integration
Open Banking
- Linked bank accounts / interoperability
Production-ready & scaling
Production ready
- Core banking & payments services
- AI stack (chat, voice, scan)
- Mobile apps (iOS & Android)
- Cloud infra & security baselines
- Growing waitlist & beta interest
🚧 In progress
Q1–Q2 2026 focus
2026 execution roadmap
Quarterly milestones
Partner approvals, beta cohorts, core GTM
Wallets, cards & pay rails expansion
Public launch tracks, premium tiers
SME depth, trading, regional prep
8 diversified revenue streams
Superior unit economics
| Metric | LazerVault (target) | Benchmark | Edge |
|---|---|---|---|
| ARPU (annual, target) | $120–200 | $80–150 | Multi-line attach |
| CAC (blended, target) | $8–25 | $15–40 | Organic + partner |
| LTV:CAC (target) | 15:1 – 35:1 | 3:1 min | SaaS + payments |
| Gross margin | 68–76% | 55–68% | Mix shift |
| Payback (months) | 2–5 | 6–12 | Faster activation |
Path to $100M+ revenue
We begin in Africa, prove density and economics there, then expand regionally and—over time—toward a global footprint. Layered monetization across payments, SaaS, and platform fees compounds toward nine-figure annual revenue at scale.
| Period | Phase | Active users | Revenue | Margin (target) |
|---|---|---|---|---|
| Y1 | Launch + Nigeria density | 12K | $0.5M | N/A |
| Y2 | SME + payroll attach | 65K | $4.2M | ~8% |
| Y3 | Multi-city + partners | 180K | $16M | ~22% |
| Y4 | Regional prep + platform | 380K | $48M | ~38% |
| Y5 | Scale + second market | 720K | $112M | ~48% |
9 Reasons to Invest in LazerVault
1. Massive Market
~$65B Africa FinTech by 2030
BCG: among the fastest-growing FinTech regions globally, with a large revenue pool by 2030; Africa ~74% of global mobile money transaction volume.
2. Technology Moat
AI-native OS
Multi-channel core (chat, voice, telephony, scan) plus Beam, open banking hooks, and a unified account graph competitors rarely ship in one product.
3. 10x Better UX
Target: far fewer steps
Conversational and low-data paths vs deep menu trees; goal is materially faster journeys for pay, transfer, and SME ops (exact uplift varies by flow).
4. Superior Economics
Goal: strong LTV:CAC
Blended payments + SaaS + platform revenue vs single-feature wallets: strong unit-economics upside for investors who underwrite multi-line attach.
5. Profitability Path
Cohort contribution focus
Revenue architecture and Nigeria-first wedge are designed to reach contribution-positive cohorts before broad regional burn, with a path toward nine-figure revenue at scale.
6. First-Mover
Category creation
Positioning as an AI-native financial operating system, not a point feature, with Nigeria as the high-throughput beachhead for Africa expansion.
7. Diversified Revenue
8+ streams
Payments, FX/treasury partners, subscriptions, payroll/B2B, APIs, bills, and wealth rails reduce dependence on any single take-rate line.
8. Strong Execution
Broad surface area
Product scope matches the deck service map; investors can diligence engineering, banking partners, and risk controls against a concrete roadmap.
9. Perfect Timing
$1.4T MM · ₦600T+ flows
GSMA (2023): $1.4T global mobile money transaction value; Nigeria NIBSS e-payment values show instant-rail scale, plus global AI adoption tailwinds.
The ask
Join us in building the future of voice-first finance. Nigeria first, for Africa and global LPs. Round mechanics are conversation-led.
Use of funds
Projected returns
Slower SME attach; multiple compression vs peers.
Nigeria depth + selective regional expansion; revenue path in line with model.
Platform + API scale; second-market traction; favourable exit window.
Milestone focus
AI scan-to-pay from a handwritten POS slip, then voice — listen, process, confirm, authenticate, send, receipt — then more: PiggyVault, bills hub, gift cards, insurance, crypto, stocks & investments. Cycles when in view.
Online
Listening...
"Send ₦24,500 to GTB 012***6789"
Full capability map
Note: This preview is illustrative, not a live product session. For a walkthrough with our team, use Book a demo session below. A separate multi-scene loop is still available at /marketing-demo.
Ready to shape the future?
Help us build voice-first, AI-native finance for Africa, starting in Nigeria, designed for global investors who understand platform scale.
Data sources
External links open only when a public page was verified to load. Other rows are citation-only (e.g. NIBSS, McKinsey).