The customer sends. The system chooses the safest route.
01Ada taps sendZenith debits ₦5,000.02Membership checkNormal NIP remains the fallback.
The MoneyBox network
Instant transfers between banks.
MoneyBox lets member banks pay each other's customers instantly, from their own treasury, on their own rails. We carry the signed message and keep score — money never passes through us.
Messages, not moneyCustomer funds never pass through MoneyBox.
Instant customer creditThe receiving bank pays from its own treasury.
Normal regulated settlementNIP replenishes the treasury afterwards.
Live instruction
Instruction ID MBX-24801
Sending bank
Customer debited
01 · Irreversible
MoneyBox
Verify · cap · countersign
02 · Approved
Receiving bank
Customer credited
03 · 2.4 seconds
Regulated settlement railReal funds replenish the receiving treasury
Matched
Two signatures verified
Atomic cap enforced
Fallback always available
Built for the banks that already move Nigeria's money.
Zenith
FirstBank
◎ The problem
Fintechs aren't faster. They pre-position their own money.
When you send between banks through a fintech, no interbank transfer happens in that moment — they pay the recipient out of their own account at the destination bank, then rebalance later. That's the whole trick.
A single bank can't do it alone35%
Members doing it for each other98%
No bank can pre-fund an account inside every other bank on its own — but banks can do it for each other. That is MoneyBox.
How it works · Bento view
The whole transfer, visible at a glance.
Four connected blocks pair the eight moments that matter, balancing operational detail with a compact visual hierarchy.
Cryptographic proof meets corridor control.
03Bank signsInstruction becomes non-repudiable.04Gate checksFour atomic controls pass.
Two trusted signatures. One instant credit.
05Hub countersignsMoneyBox confirms the controls.06Ngozi is paidGTBank credits from treasury.
The money arrives and every balance closes cleanly.
07Money followsInstruction ID travels with it.08Loop closesMatch, release and refill.
✓ The treasury
A dial you control, not a risk you take.
The treasury account holds the bank's own money at its own bank. It constantly empties and refills, so it only needs to cover the few minutes between paying out and being refilled.
- ✓Start small and grow the dial with instant volume.
- ✓Running low breaks nothing — payments route the normal way.
- ✓Corridor caps are enforced atomically and bound the worst case.
We never touch money
Not for one second. MoneyBox carries messages and keeps score — that is the entire business.
NIP still settles everything
We are not a rival payment network. Every naira still moves through the normal, regulated interbank rails.
A perfect fallback
If the hub is down, slow or unsure, it fails closed and payments simply go the normal way. Nobody notices.
Customers are never clawed back
A customer credited through MoneyBox is never debited afterwards. All corrections happen between banks.
What we are not
A referee, not a payment network.
Instant experience
Seconds, not minutes.
The receiving bank credits the customer from its own treasury the moment the signed instruction lands. An internal transfer — instant, every time.
Start exploring →Same legal rails
NIP still settles.
Every naira still travels through the normal, regulated interbank rails, carrying the instruction ID so settlement matches automatically.
Start exploring →Bounded risk
Capped exposure.
Each corridor carries an agreed ceiling, enforced atomically. Outstanding exposure can never exceed the number the banks chose.
Start exploring →
Security
We ask banks to pay real money on a message
Every control exists to make that reasonable. Two matter more than all the others combined: we never touch money, and caps bound the maximum possible loss on any corridor.
Auto-playing · swipe, tap a card or use the arrows to explore each security layer.
Dashboard experience
One workspace. Every treasury answer.
From live balances to settlement exceptions, every operational view is ready for the team—clear, controlled and effortless.
01 · Live treasury
Treasury at a glance
See the live balance and a complete 24-hour movement line—the simple picture of a treasury emptying, settling and refilling.
- ✓Current usable balance
- ✓Inbound and outbound settlement
- ✓Headroom before fallback
Available treasuryLive
₦26.8m+8.4% replenished today
Outgoing₦8.2mIncoming₦9.6m
We push, you don't poll. Webhook delivery, escalation, chasing missing settlements and scorekeeping are all on our side — and every error is specific and readable, never "400 Bad Request."
FAQ
Your questions answered.
Find out how MoneyBox works for member banks. Have more questions? Talk to our team.
No. MoneyBox never holds or moves customer funds. We carry signed instructions and keep score while settlement continues on normal interbank rails.
The system fails closed. The bank simply routes the payment through NIP exactly as it does today, so the customer journey keeps working.
Only enough to cover the short period between an instant credit and the matching NIP settlement. Banks can start small and increase the dial with volume.
No. A MoneyBox credit is final for the customer. Any correction or exception is handled between the member banks.
Integrate
IntegrateFrom sandbox keys to live transfers, faster.
A full sandbox with two mock banks gives your engineers everything they need to build, test and prove the integration with confidence.
5 minutesReceive secure sandbox keys
A handfulClear endpoints to implement
A few daysTypical engineering build time
One commandComplete the conformance check
Ready when you are
Bring instant transfers to your customers.
Talk to us about membership, corridor caps and a sandbox environment for your engineering team.
Contact the MoneyBox team
