Banking + management for Nigerian businesses
One account to run your whole business.
Open a business bank account and accept payments on the web, then run your books on the mobile app: invoicing, inventory, expenses, reports, and tax. One connected account with an AI analyst over all of it.
No setup fees. Start collecting up to ₦500,000/month before verification.
Banking, built in
A real business bank account, and invoices that clear themselves.
Most business tools stop at bookkeeping. TwelveAI Business gives you the account too, so money actually moves, settles, and reconciles without you chasing it.
Business bank account
Open a dedicated NUBAN in your business name after a quick KYB. Receive transfers and settle every collection into one account.
Automated invoice clearance
Send an invoice with a pay link. When the customer pays, it is matched, marked cleared, and settled to your account automatically, with tax tracked.
T+1 settlement
Card collections move from pending to your withdrawable balance the next day. Clear, predictable timing you can plan cash flow around.
Payouts
Withdraw to your verified settlement account. We name-verify the destination before any money moves, so payouts are safe by default.
On the mobile app
Run your whole business from your phone.
The TwelveAI Business mobile app puts your books in your pocket: invoicing, inventory, expenses, customers, suppliers, deliveries, reports, tax, and team, all wired to the same account. No more copying numbers between apps.
Invoicing
Create and send branded invoices with a pay link. Follow-ups and clearance are automated, and stock draws down per line item.
Inventory & stock
Track products and variants with automatic low-stock alerts, and stock movements attributed to the team member who made them.
Expenses & receipts
Log expenses, scan receipts, and see spending by bucket, so every naira in and out is accounted for.
Customers (CRM)
Every customer aggregated across payments and invoices, so you know who buys, how often, and how much.
Suppliers & deliveries
Manage suppliers, restocks, and deliveries in one place, connected to your inventory and your books.
Reports & cashflow
Cashflow, sales, and profit reports, plus profit per product, always drawn from your live data.
Nigerian tax
Automatic VAT and income-tax estimates, owed versus remitted, so you are never surprised at filing time.
Team & roles
Add team members with roles and permissions, approval workflows, and an activity trail of who did what.
Multi-business
Run more than one business from a single login, and compare sales and profit across them.
Built-in AI business analyst
Ask your business anything.
Every account comes with an assistant that already knows your numbers. It reads your live payments, invoices, stock, expenses, and customers, and answers in plain language, no spreadsheets, no reports to wait on.
Payments & developers
Accept payments and build on the API.
Accept payments
Cards and bank transfers with a branded, hosted checkout and signed webhooks the moment a payment succeeds.
Saved cards & recurring
Charge returning customers with a saved authorization. Perfect for subscriptions and one-tap repeat purchases.
Developer API
A clean REST API, HMAC-signed webhooks, and samples in cURL, Node, Python, PHP, Go, Ruby, and Java.
TwelveAI Connect
Let other businesses connect their account to your platform, charge on their behalf, and take an application fee.
POST /api/business/v1/payments/initialize
Authorization: Bearer sk_live_...
{
"email": "customer@example.com",
"amount": 50000,
"callback_url": "https://yourapp.com/paid"
}Pricing
One simple rate. Everything included.
No setup fees, no monthly fees. You only pay when you get paid, and the bank account, invoicing, inventory, reports, AI analyst, API, and Connect are all included.
FAQ
Frequently asked questions.
Can I open a business bank account with TwelveAI Business?+
Yes. After a quick KYB verification you get a dedicated NUBAN in your business name. Bank-transfer inflows credit your available balance instantly, and card collections settle at T+1.
What is automated invoice clearance?+
You send an invoice with a pay link. When the customer pays, TwelveAI automatically matches the payment to the invoice, marks it cleared, settles the money to your account, and tracks the tax. No manual reconciliation.
How much does TwelveAI Business cost?+
A simple 1.5% per successful transaction, capped at ₦2,000. No setup or monthly fees. The bank account, invoicing, inventory, reports, AI analyst, API, and Connect are all included.
Do I need to be verified to start?+
No. Start collecting up to ₦500,000 per month immediately. Complete KYB to remove the cap and open your business bank account.
Can I run my whole business on it, like Cantant?+
Yes. The TwelveAI Business mobile app handles invoicing, inventory and stock, expenses and receipts, customers, suppliers and deliveries, reports, Nigerian tax estimates, and team roles. The web dashboard handles banking, payments, payouts, the API, and the AI analyst. Everything shares one account.
Where do I use the business management features?+
The full business management suite (invoicing, inventory, expenses, reports, tax, team) lives in the TwelveAI Business mobile app, available on Android and iOS. Banking, payments, the developer API, and the AI analyst are on the web dashboard at business.twelveai.app.
Run your business on one account.
Create your TwelveAI Business account in minutes and collect up to ₦500,000 a month before verification. No setup fees.