#Opay alternative

2 posts

Jun 18, 2026 · 2 min read

TwelveAI vs Opay (2026): the chat-first Opay alternative with USD and AI

Looking for an Opay alternative? TwelveAI covers the same bills, airtime, and transfers, then adds USD accounts, FX swaps, dollar cards, and conversational AI in one chat.

Jun 12, 2026 · 3 min read

The first AI banking app in Nigeria: the conversational alternative to Kuda, Opay, and PalmPay

What conversational banking actually means, why TwelveAI is the AI-first alternative to Kuda, Opay, and PalmPay, and how the chat interface changes the experience.