A wallet that shows its working.
Fund your wallet, join a clearly disclosed reward cycle, invite friends, and withdraw to a verified bank account. Every balance sits in a ledger. Every reward is explainable. Every payout is traceable.
FinWallet is not a licensed bank. No guaranteed returns.
VerifiedAvailable balance
₦248,500.00
In reward cycle
₦120,000.00
Accrued today
₦2,160.00
Deposit → reward cycle → withdrawal
Six steps, each one showing you the current state, the next expected action, and the conditions that must be satisfied before you can continue.
Register
Create an account with email or phone in under a minute.
Verify
Confirm your contact details and complete identity checks.
Fund wallet
Deposit by card, bank transfer, USSD or mobile money.
Start a cycle
See the rate, the start time and the end time first.
Earn transparently
Watch accrual post to your ledger, hour by hour.
Withdraw
Send funds to a verified bank account after 2FA.
Built like a bank app, run like an open rulebook
Ledger-backed balances
Every credit and debit writes an immutable ledger row. Your balance is derived from history, never edited by hand.
Reward cycles you can read
Published rate, start time, end time, cap and eligibility rules — all shown before the cycle begins.
Referrals with real states
Invited, registered, verified, active, rewarded. You always see exactly where each invite stands.
Verified bank payouts
Add a beneficiary, pass eligibility checks, confirm with 2FA, then track the payout queue end to end.
Full transaction history
Filter by status, open any entry, and see the provider reference behind the movement.
Operational controls
Risk review, payout holds and an audit log behind every critical action taken on your account.
Honest by construction
We borrow the clarity and trust cues of a modern banking interface without pretending to be a regulated bank. The business model stays explicit: rewards are funded by published rules, disclosed before you commit, capped per cycle, and written into a ledger you can audit line by line.
What we will never do
- Promise guaranteed investment returns.
- Present ourselves as a deposit-taking institution.
- Change a reward rate after a cycle has started.
- Move money without a matching ledger entry and audit record.
- Ask you for your password or a verification code over support.
Open your FinWallet account
Free to create. Verification unlocks withdrawals and higher limits.