Features
Everything you can do with TwelveAI.
TwelveAI combines AI orchestration, naira and USD money movement, FX swaps, dollar cards, multi-agent support, receipts, and Nigerian bill payments in one conversational product. Here is the full feature stack.
Built for the way people actually bank.
AI orchestration, multi-currency money movement, FX swaps, dollar cards, multi-agent support, receipts, and compliance, in one conversational surface.
Conversational Payments
Move money with plain language. TwelveAI handles recipients, narration, and confirmation flows in a single thread.
AI Financial Assistant
Ask for balances, recent activity, bill reminders, or receipts and get immediate, context-aware answers.
Instant Transfers
Transfers settle quickly with intelligent confirmation states and in-chat success receipts.
Airtime & Data
Buy MTN, Airtel, Glo, and 9mobile airtime in seconds with localized Nigerian payment prompts.
Bill Payments
Electricity, internet, TV subscriptions, and recurring household payments all happen through conversation.
Downloadable Receipts
Receipts are generated instantly, shareable, and retrievable later without leaving the chat flow.
USD Accounts
Hold and manage dollars in-app. Check USD balances, receive deposits, and run dollar-native actions without leaving chat.
NGN Swaps
Convert between naira and dollars at competitive rates. Ask in plain language and TwelveAI quotes, confirms, and settles the swap.
Auto Swap Deposits
Set rules so incoming USD deposits automatically convert to naira, or the other way, at your preferred rate.
Multi-Agent Chats
Specialist AI agents join the same thread for payments, FX, cards, and support. Complex requests get expert handling fast.
Dollar Card Creation
Spin up USD virtual cards for subscriptions, ads, and global checkouts. Set limits and freeze cards through conversation.
Bank-grade Security
Encryption, approval checkpoints, and privacy-first data handling are built into every interaction.
One conversation. Every everyday financial action.
Naira and dollar workflows feel the same: fast, conversational, with clear success states and receipts attached.
Case 01
Airtime top-up
Case 02
Bills & utilities
Case 03
USD accounts
Case 04
NGN ↔ USD swaps
Case 05
Auto swap deposits
Case 06
Dollar virtual cards
Three steps from intent to completed transaction.
Chat with TwelveAI
Type naturally like you would message a trusted assistant.
AI understands the request
TwelveAI identifies the action, validates context, and prepares the transaction.
Transaction completes
Confirmation, receipts, and history update in the same conversation.