Send money, open USD accounts, swap naira, auto-convert deposits, create dollar cards, and work with specialist AI agents. All from one chat.
Trusted by early users.
Chat banking
TwelveAI
Naira and dollar workflows feel the same: fast, conversational, with clear success states and receipts attached.
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AI orchestration, multi-currency money movement, FX swaps, dollar cards, multi-agent support, receipts, and compliance, in one conversational surface.
Move money with plain language. TwelveAI handles recipients, narration, and confirmation flows in a single thread.
Ask for balances, recent activity, bill reminders, or receipts and get immediate, context-aware answers.
Transfers settle quickly with intelligent confirmation states and in-chat success receipts.
Buy MTN, Airtel, Glo, and 9mobile airtime in seconds with localized Nigerian payment prompts.
Electricity, internet, TV subscriptions, and recurring household payments all happen through conversation.
Receipts are generated instantly, shareable, and retrievable later without leaving the chat flow.
Hold and manage dollars in-app. Check USD balances, receive deposits, and run dollar-native actions without leaving chat.
Convert between naira and dollars at competitive rates. Ask in plain language and TwelveAI quotes, confirms, and settles the swap.
Set rules so incoming USD deposits automatically convert to naira, or the other way, at your preferred rate.
Specialist AI agents join the same thread for payments, FX, cards, and support. Complex requests get expert handling fast.
Spin up USD virtual cards for subscriptions, ads, and global checkouts. Set limits and freeze cards through conversation.
Encryption, approval checkpoints, and privacy-first data handling are built into every interaction.
Type naturally like you would message a trusted assistant.
TwelveAI identifies the action, validates context, and prepares the transaction.
Confirmation, receipts, and history update in the same conversation.
Hold USD, swap between naira and dollars, auto-convert deposits, and issue dollar virtual cards. When you need deeper help, specialist AI agents join the same thread.
USD & FX
TwelveAI
Operators
Bills
From airtime and meter tokens to cable TV and direct bank transfers. A global interface, with unmistakably Nigerian workflows.
Nigerians already live inside WhatsApp, so TwelveAI meets you there. Message it the way you message a person, and your banking happens in a chat you already trust.
TwelveAI
Bank-grade encryption, approval-aware workflows, and a privacy-first architecture keep sensitive financial context tightly controlled.
Sensitive actions are encrypted in transit and at rest.
Risk checks and confirmations apply before money moves.
Receipts and balances are revealed only to verified users.
“I topped up airtime, paid for electricity, and sent money to my brother without opening five screens. It feels inevitable.”
“The AI actually understands what I mean. Asking for my balance or a receipt feels like chatting with a banker who never sleeps.”
“This is the first fintech product I have shown to my parents and they immediately understood how to use it.”
A conversational banking layer for people who want financial actions to feel as natural as sending a message, with practical products, strong infrastructure, and a long-term approach to trust.
Company
TwelveAI is a financial technology company, not a bank. We design the conversational interface layer that sits above licensed banking and payment infrastructure. Instead of menus, tabs, and long forms, users simply state what they want and the AI handles the flow with clarity and control.
Mission
Our mission is to turn everyday banking into a fast, trustworthy conversation. That means better comprehension for users, fewer confusing flows, and financial actions that feel immediate.
Careers
TwelveAI is hiring people who care about financial systems, responsible AI, and product craft. Early teams focus on payments infrastructure, trust systems, conversational UX, and Nigerian market operations.
No. TwelveAI is a financial technology company that provides a conversational interface on top of regulated banking and payment partners such as Paystack, Flutterwave, and NIBSS. We do not hold or insure customer funds directly.
USD account features let you hold, receive, and use dollars within the TwelveAI experience. USD custody is handled by regulated partners; balances, swaps, and dollar card operations are surfaced inside chat.
Auto swap is a rule you configure so that qualifying incoming deposits are automatically converted between USD and NGN at a target rate, no manual confirmation per inflow.
Specialist AI agents, payments, FX, cards, support, can join the same thread. Handoffs preserve context so you do not have to repeat yourself.
Yes. Chat is the default, but every core action also lives in normal menus and buttons. Tap when it is faster, type when it is easier, and switch any time.
Yes. You can bank with TwelveAI inside WhatsApp using plain language, with no new app to install. Sensitive actions still go through verification and confirmation.
We are launching in Nigeria first, with USD and global money features available to eligible users. Sign up to be notified as we expand.
We keep communication direct so users, operators, and collaborators can reach the right person quickly.
Join TwelveAI for a faster, more natural way to move money, pay bills, and manage everyday finances.
