You're the one chasing contributions. Holding the money. Rebuilding the spreadsheet. We built Kova for you.

Every Nigerian group that pools money has the same shape. One person at the center. Everyone else trusting the spreadsheet they can't see.
Not another savings app. Not another spreadsheet. Infrastructure designed for how groups actually handle money.
Every contribution is visible to every member the moment it lands.
No single person controls the money. Payouts need approval from the group.
Funds sit in a segregated account with our licensed banking partner.
We're picking fifty people who are already running group money the hard way — and making them founders of how it works going forward.
More than early access. We're building this with you, not for you.
Tell us about your group. If it's a fit, our founder will WhatsApp you personally within 24 hours.
Eight quick questions about your group. Takes three minutes.
Within 24 hours. Voice note or call — your preference.
You're officially a founding organizer. We'll onboard your group in the first two weeks after launch.
If yours isn't here, message us on WhatsApp and we'll answer directly.
You're one of 50 people we're building the first version of Kova with. You get 10% of your first goal from us, a direct line to our founder, early access and real input on what we build next. In return, you commit to bringing your group onto Kova within 2 weeks of our May 15 launch.
Your group's funds never sit in anyone's personal account. They're held in a segregated account through our licensed banking partner. The whole point of Kova is that no one person — not even you — is holding everyone else's money.
Kova charges 1% of each contribution, with a minimum of ₦50 and a cap of ₦2,500 per contribution. We accept bank transfers and USSD — no card fees.
Kova works for groups from 2 to 500+ members. Whether it's 4 flatmates splitting rent or a 300-person alumni association, the mechanics are the same: shared wallet, visible to everyone, group-approved payouts.
Apply anyway. The 24-hour WhatsApp call with us will help you figure out if Kova is a fit. If it's not, no hard feelings. If it is, we'll help you make the case to your group.
May 14 at 6pm. We launch May 15. After that, Kova is live for everyone — but the founding organizer offer closes.