Core Architecture
The Core
Financial Engine.
Precision-engineered tools for high-velocity global transactions. ViitPay isn't just a wallet; it's a machined infrastructure for the modern digital economy.
You spent 12% more on Lifestyle this month. Adjusting budget...
Your savings are growing 2× faster than last quarter.
Investment portfolio up 8.4% — outperforming market avg.
Rent payment detected. Auto-categorized under 'Housing'.
AI Financial Assistant
Understand Your Money
Like Never Before.
Our proprietary AI doesn't just track numbers; it builds context. It learns your habits, predicts upcoming expenses, and helps you optimize every single transaction.
Plan every naira with precision through automated budget adjustments and real-time behavioral insights.
Predictive Budgeting
AI forecasts your end-of-month spend before it happens.
Behavioral Patterns
Machine learning adapts to your unique spending rhythms.
Auto-Categorization
Every transaction tagged and sorted instantly.
Budget Control
Precision Budget
Tracking
Monitor spending across categories with granular accuracy and visual indicators designed for total financial discipline.
₦42,000 / ₦60,000
₦150,000 / ₦150,000
₦18,000 / ₦25,000
₦82,000
Budget: ₦60,000 · Exceeded by 36%
Input Base · NGN
₦ 1,540,000.00
EXECUTING_FX_SWAP...
Output Settlement · USD
$ 1,000.00
FX Engine
The Dual-Currency
Engine
Bypass traditional banking bottlenecks. Our proprietary FX engine provides zero-lag conversions between Naira and USD at institutional rates. Machined for businesses operating across borders.
Instant Liquidity
Automated pools ensure your capital is never locked during swaps.
Zero Slippage Protection
Locked-in rates at the point of request for predictable budgeting.
Institutional Grade Rates
Access the same rates large corporations use, at any size.
Toolset
Precision
Instrumentation
Granular control over every kobo and cent.
Real-Time Auditing
Every transaction categorized by machine learning to provide instant P&L visibility across your entire ecosystem.
2FA Hardened
Biometric & hardware key support for every login.
Smart Alerts
Webhook triggers fired on every spend event.
Auto-Tax
Export-ready compliance logs for every jurisdiction.
Tiered Card System
From virtual single-use keys to high-limit physical titanium, our cards are built for technical spend management at every level.
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TECH ARCHITECT
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AWS SETTLEMENT
Developer First
Instant Settlement
We built ViitPay for developers. Our API-first design allows you to integrate complex payment orchestration into your stack in minutes. Settle funds across borders with a single POST request.
RESTful Architecture
Clean, predictable endpoints with comprehensive documentation.
Webhooks
Real-time notifications for settlements, chargebacks, and FX movements.
SDKs for Every Stack
Node.js, Python, Go, and mobile-first SDKs ship out of the box.
const viitpay = require('@viitpay/sdk');async function executeSettlement() {const transaction = await viitpay.swaps.create({amount: 1500000,currency: 'NGN',target_currency: 'USD',settle_to: 'external_account_id',metadata: { client_ref: 'INV-0922' }});console.log(`Status: ${transaction.status}`);}// → Status: completed | 42ms
Get Started Today
Machined for Precision.
Built for Speed.
Join 5,000+ technical teams building the future of African commerce with ViitPay.