COMING SOON

Give every naira a purpose.

CapPay helps you set budgets, control how much you spend, and keep your everyday payments aligned with what you planned.

A young professional checking his phone while tracking everyday expenses
25%
Transport Budget
₦7,500 of ₦30,000 spent
Food Budget
₦55,500 left · 12 days left
Payment Successful
₦15,000 · To Dele's Mall
Budget protected
₦50,000 available
BUILT WITH CONTROL IN MIND

Security, by design.

Secure authentication
Identity verification
Transaction PIN
Transaction monitoring
Spending limits
Expiry controls
Transaction history
Notifications
Secure authentication
Identity verification
Transaction PIN
Transaction monitoring
Spending limits
Expiry controls
Transaction history
Notifications
THE PROBLEM

Sending money is easy. Controlling it isn't.

Traditional transfers answer “how much should I send?” — but they don't answer “what should this money be used for?”

Money loses its purpose

Once money is transferred, the sender has limited control over how it is ultimately spent.

Budgets are easy to break

A budget written in a notebook or budgeting app doesn't necessarily prevent spending outside the plan.

Delegating money means giving up control

Parents, partners, employers, and others often need to give someone money without giving up all control over its purpose.

CapPay was built to change that.
THE SOLUTION

Money with rules.

CapPay turns your spending plans into controlled payment instruments—so the amount, purpose, and rules stay connected to the money.

01

Set

Choose exactly how much you want to allocate.

02

Purpose

Give the money a clear purpose before it's spent.

03

Control

Set spending limits and an expiry period for your budget.

04

Spend or Share

Use the funds yourself or share them with someone else—the rules stay with the money.

05

Track

See your budget status, spending activity, real-time notifications and remaining balance.

HOW CAPPAY WORKS

Five steps. Total control.

01

Fund

Add money to your CapPay wallet.

02

Create a Budget

Set an amount and assign it a clear purpose.

03

Set the Rules

Choose the spending limit and how long the budget stays valid.

04

Generate

CapPay turns your budget into a controlled payment card, ready to use or share.

05

Spend or Share

Spend within your budget yourself, or send it to someone else. The amount, purpose, and rules stay attached to the money.

Fund Wallet
TRANSFER TO YOUR VIRTUAL ACCOUNT
Safe Haven MFB
0123456743
Ayobami Sokande / CapPay
Funds reflect in your wallet instantly.
New Budget
AMOUNT
₦50,000
PURPOSE
🍽️Food
Continue
Set the Rules
SPENDING LIMIT
₦50,000
DURATION
June
SMTWTFS123456789101112131415161718192021222324252627282930
BUDGET CREATED
₦100,000
Monthly Expenses
27.5% spentExpires in 18 days
₦72,500 remaining
Active
Send Transfer
TRANSFER TO
GTBank
0934 4444 395
₦50,000
Sent · rules stayed attached
Wallet → Budget → Rules → Budget card → Transfer
DELEGATED SPENDING

Give someone money. Keep the rules.

Sometimes you want to provide the money without giving up control.

Parents

Give your child money for school expenses without turning the entire amount into unrestricted cash.

Students

Allocate money for food, transport, accommodation, or other planned expenses.

Couples & Families

Create shared budgets for household expenses.

Employers

Allocate controlled spending for approved business expenses.

See What CapPay Can Do
HOW SHARING WORKS

One budget. Two sides of the same story.

When you share a budget, the owner keeps visibility and the recipient gets clarity — the rules are the same on both screens.

WHY IT'S DIFFERENT

A transfer moves money.
CapPay moves money with purpose.

Traditional Transfer
CapPay
Purpose attached to the money
Spending limit enforced
Expiry / validity window
Real-time tracking
Stays controlled after it's sent
WHO IT'S FOR

Built for real life.

Students

Manage allowances, school expenses, food, transport and other recurring needs.

Parents

Send money for specific purposes while maintaining spending controls.

Young Professionals

Stay within personal spending plans.

Couples & Families

Manage shared household budgets.

Friends & Groups

Allocate money for trips, events and group expenses.

Businesses

Control approved employee or team spending.

JOIN EARLY

Be among the first to experience CapPay.

We're building a better way to give, manage and spend money. Join the waitlist and be notified when CapPay launches.

FAQ

Everything you need to know

CapPay is a fintech platform designed to help people allocate, control and track money according to defined purposes and spending rules.
CapPay is currently preparing for launch. Join the waitlist to receive launch updates.
Yes. CapPay is designed around controlled and purpose-driven allocation of funds.
Yes. Budgets can include defined spending limits.
Yes. Budgets can be created with an expiry period.
Yes.
Yes. Delegated spending is one of CapPay's core use cases.
No. CapPay's exact regulatory and partner structure will be clearly explained closer to launch.

Your money. Your purpose. Your rules.

Join the CapPay waitlist and be among the first to experience purpose-controlled payments.

Join the Waitlist