AI-powered assistant · live on WhatsApp

Meet Rayo — your everyday assistant that goes beyond payments.

Send money and pay bills, then keep going: link your laundry business, find the nearest hotels, book services and more — all by chatting on WhatsApp. No app to download.

Chat with Rayo See what Rayo can do →
🟢 Live on WhatsApp
🔒 Bank-grade security
🗣️ Voice notes welcome
✅
₦15,000 sentto Chidi Okonkwo
🧺
Laundry bookedPickup at 4:00 PM
🏨
3 hotels foundwithin 2km of you
5,000+
Chats handled daily
₦250M+
Moved every month
3 sec
Average response
24/7
Always awake
Beyond Payments
One assistant for your whole life.
Rayo started with money — but it's growing fast. Handle payments today, run your side business, and find what you need around you. And this is just the beginning.
Sending money
● Live

Payments & Money

Send and receive money, buy airtime and data, pay electricity and bills, save towards goals, and split with friends.

"Send ₦10k to my brother"
Laundry business
✦ Rolling out

Link Your Laundry Business

Connect your laundry service so customers book pickups, pay, and get status updates — all through a chat with Rayo.

"Book a laundry pickup for 4pm"
Hotels near you
✦ Rolling out

Find the Nearest Hotels

Ask Rayo for hotels around you. Compare prices, see what's close, and book your stay without leaving the chat.

"Find hotels near me under ₦30k"

🚀 More services join Rayo every month — food, transport, errands and beyond.

What You Can Do Today
Your money, handled
in plain conversation.
No juggling banking apps. Type or talk — Rayo understands and gets it done.
💸

Send & Receive Money

Transfer to any Nigerian bank. Save beneficiaries and resend with just a name next time.

📱

Airtime & Data

Recharge for yourself or anyone across MTN, Airtel, Glo and 9mobile in seconds.

⚡

Bills & Utilities

Pay electricity, cable and internet. Tokens and confirmations land right in your chat.

🎤

Voice in Your Language

Send a voice note in English, Pidgin, Yoruba, Igbo or Hausa. Rayo understands it all.

👥

Ajo Savings Circles

Run a thrift group with friends. Everyone contributes, one person collects each round.

📋

Track Who Owes You

Log debts, send reminders, and get notified when people pay up. No awkward follow-ups.

🔗

Request Money by Link

Ask to be paid and get a shareable link. Whoever taps it pays you in a couple of taps — even if they're new to Rayo.

🎯

Savings Goals

Set a target, stash money towards it, and let Rayo keep you on track until you get there.

⏰

Reminders & Bill Alerts

"Remind me to pay rent on the 1st." Rayo pings you on time — and can pay the bill right there.

Getting Started
Ready in under a minute.
No app store. No long forms. Just a chat.
💬

Say hi

Message "Hi" to our WhatsApp number and you're in.

🔢

Get your wallet

We create a dedicated account number for you instantly.

🏧

Add money

Transfer from any bank or USSD. Reflects in seconds.

✨

Just ask Rayo

Pay, save, book, find — all by chatting.

Transfers

Just type who and how much.

No account numbers to memorize. Rayo learns your contacts — next time, just say "send to my brother" and it knows who you mean.

Try it now →
Rayo
askRayo
● online
Send 10k to Tolu
💸 Confirm:
₦10,000 → TOLU ADEYEMI
Access Bank · 0098765432
Fee: ₦25

Enter your PIN.
****
✅ Sent! New balance: ₦32,800
Beyond Payments

Find hotels near you, instantly.

Ask Rayo where to stay tonight. It finds hotels close to you, compares prices, and helps you book — no browser tabs, no separate app.

Try it now →
Rayo
askRayo
● online
Find hotels near me under 30k
🏨 3 nearby:
• Bluecrest — ₦18k
• Palm Suites — ₦25k
• The Grove — ₦31k
Book Palm Suites
✅ Reserved for tonight. Confirmation sent to your chat.
For Businesses

Run your laundry from a chat.

Link your laundry business and let customers book pickups, pay, and track their order through Rayo. Your storefront lives inside WhatsApp.

Get set up →
Rayo
askRayo
● online
Book a laundry pickup for 4pm
🧺 SparkleWash
Pickup: Today, 4:00 PM
Est. 12 items · ₦2,000

Enter PIN to confirm.
****
✅ Booked! Rider on the way. We'll update you here.
Get Paid

Request money with a link.

Ask to be paid and Rayo hands you a link to share. Whoever taps it sees who's asking and pays you in seconds — no account numbers, no back-and-forth. Great for splitting bills, group gifts and collecting dues.

Try it now →
Rayo
askRayo
● online
Request 5k from Tolu for lunch
💸 Request created: ₦5,000 for lunch.

Share this link — Tolu can pay you instantly:
wa.me/…?text=PAY:RQ7K2M
💰 Tolu just paid your ₦5,000 request for lunch. ✅
Trust & Safety
Bank-grade protection, zero hassle.
Your money and data are secured at every layer.
🔐

Transaction PIN

Every action touching your money needs your personal 4-digit PIN. No exceptions.

🏦

Licensed Partner

Funds are held by a CBN-regulated microfinance bank. Fully compliant.

🛡️

Encrypted Data

AES-256 on all stored data, meeting NDPR standards for Nigerian data protection.

🔄

Instant Reversals

If a transfer fails, the money returns to your wallet immediately.

🔒

End-to-End Encrypted

WhatsApp encryption means nobody — not even us — can read your chats.

🚨

Emergency Lock

Phone stolen? Text "freeze" from any number and your account locks instantly.

Questions
Got doubts? We get it.
Do I need to download anything?
No. askRayo lives entirely inside WhatsApp. If you can send a text, you can use Rayo — on any phone, Android, iPhone, even KaiOS.
What does "beyond payments" mean?
Rayo started with money — transfers, bills, airtime, savings. Now it's expanding to everyday life: linking businesses like laundry services, finding nearby hotels, and more services rolling out every month.
How do I create an account?
Send "Hi" to our WhatsApp number. We set up your wallet, assign a bank account number, and you're ready in about 30 seconds.
Can I use voice notes instead of typing?
Absolutely. Send a voice note in English, Pidgin, Yoruba, Igbo or Hausa and Rayo will understand and act on it.
Where is my money kept?
In a CBN-licensed microfinance bank — regulated financial infrastructure, not a random server.
What if a transfer doesn't go through?
The money bounces back to your wallet automatically and you get notified in the chat. No tickets, no calls.
AI · one chat for everything

Stop switching apps.
Just ask Rayo.

Thousands of Nigerians already run their money — and their day — through one WhatsApp conversation.

Chat with Rayo — It's Free