Skip to main content

Product

KudiAI Track

Talk your money. Track your profit. Grow your business.Sales, stock, credit, bills and Ajo savings in one app — made for Nigerian businesses.
Book a DemoVisit KudiAI Track (opens in a new tab)
connected portals on one shared ledger
7
connected portals on one shared ledger
languages — English, Pidgin, Yoruba, Igbo and Hausa
5
languages — English, Pidgin, Yoruba, Igbo and Hausa
to start, on the free Kobo plan
₦0
to start, on the free Kobo plan
capture — records sync when data returns
Offline
capture — records sync when data returns

Overview

What KudiAI Track is

KudiAI Track turns a trader's phone into a business manager, a savings bank for their customers and a payments terminal — and the trader can talk to it in their own language.

Record sales and expenses in seconds and see your daily profit. Keep stock under control with low-stock alerts, manage the customers who owe you, run Ajo and Esusu savings for your customers, pay bills, and receive and send money from the KudiAI wallet.

An AI assistant reads your records and answers in plain language — in English, Pidgin, Yoruba, Igbo or Hausa — with insights on what is selling, where cash is leaking and what to watch next.

KudiAI Track runs on Android and on the web, and keeps working when the network drops: records are saved on the phone and synced when data returns. It is free to start.

See it in action

KudiAI Track, screen by screen

Tap a feature to see it in the app.
Business dashboard showing today's sales, today's profit, credit outstanding and Ajo collected

Real app screens · demo business

1 / 6 · Sales

Features

What KudiAI Track does

  • Voice entry in five languages

    Speak a sale instead of typing it — in English, Pidgin, Yoruba, Igbo or Hausa — and the AI turns it into a structured record for you to confirm.

  • AI assistant and daily brief

    Ask about sales, debts, stock and savings in plain language. Get warnings, opportunities, stock-out and cash-flow predictions, and a daily voice brief.

  • Sales, expenses and automatic profit

    Revenue, cost of goods, gross and net profit are worked out from your records, and every figure can be traced back to the transactions behind it.

  • Credit tracker

    See who owes you, add flat or percentage interest, log part-payments, get due-date reminders and share statements.

  • Inventory and low-stock alerts

    Products, cost prices and stock levels by category, with a daily alert before your best sellers run out.

  • Invoices and verifiable receipts

    Branded invoices with your logo and bank details, sent as a PDF or on WhatsApp. Every receipt carries a reference anyone can verify.

  • Ajo and Esusu management

    Personal savings and group rotations with registration fees, commission models, approvals and payouts that can never exceed what was collected.

  • Wallet and transfers

    A dedicated virtual account to receive payments and send money to any Nigerian bank, with limits that grow as you verify your identity.

  • Bills, airtime and data

    Airtime, data, electricity, cable TV and exam PINs paid from the wallet, with reward points, cashback and coupons applied automatically.

  • Staff, branches and shifts

    Role-based access for managers and staff, branch roll-ups for the owner, shift cash reconciliation and an audit trail of sensitive actions.

  • Cooperative and peer savings portals

    Cooperatives run members, savings programmes and loans; friends and colleagues can run their own Esusu circles without a collector.

  • Works offline

    Records are saved on the phone and synced automatically when data returns, on the Android app and the web app.

AI in your language

Talk your money

Speak instead of type, ask questions in plain language, and get insights and a daily voice brief — in the language you are most comfortable with.
  • EnglishGood morning
  • PidginHow you dey
  • YorùbáẸ káàárọ̀
  • IgboỤtụtụ ọma
  • HausaIna kwana

How voice entry works

  1. Step 1

    Speak

    “I sell two bag of rice, ninety-six thousand.”

  2. Step 2

    Transcribe

    Speech-to-text turns your voice into words.

  3. Step 3

    Understand

    The AI picks out the type, item, quantity and amount.

  4. Step 4

    Confirm

    You check the entry and tap save.

  5. Step 5

    Record

    It lands in your books and your profit updates.

The platform

Seven portals, one shared ledger

A sale recorded by staff, a contribution paid by an Ajo client and a commission earned by a marketer all land in the same secure ledger.

  • Business Owner App

    Books, Ajo, wallet and bills — the whole shop from one phone.

  • Staff & Manager

    Their own login and wallet, scoped to their branch and records.

  • Ajo Client Portal

    Savers follow their balance, payouts and history, and pay bills.

  • Cooperative Portal

    Members, savings programmes, loans, officer approvals and community.

  • Peer Esusu

    Friends and colleagues run their own savings circles — no collector needed.

  • Marketer Portal

    Field marketers onboard businesses and earn commission on results.

  • Admin Portal

    The KudiAI team's console for approvals, configuration and security.

Inside the app

KudiAI Track in use

Real screens from the app, shown with a demo business.
  • Business dashboard showing today's sales, today's profit, credit outstanding and Ajo collected
  • Wallet dashboard with balance, virtual account number and recent payments
  • Credit book showing total owed, amount recovered and each debtor
  • Inventory with stock value, low-stock alerts and products by category
  • Bill payments: airtime, data, cable TV, electricity and exam PINs, with cashback and reward points
  • Report generator for sales, credit, Ajo, bills, staff and stock reports
  • Ajo savings: total balance, clients and each client's contributions
  • Ajo client portal home with savings balance and next contribution due
  • A saver's daily savings card showing paid days and collector commission
  • An Esusu circle showing this round's payout and members who have paid
  • Ajo client wallet with balance and transfer options

Plans

Free to start, priced to grow

Pay by card or bank transfer, or straight from the in-app wallet.

  • Free

    Kobo

    ₦0

    forever

    • Dashboard
    • Credit tracker
    • 50 transactions a month
    • 1 organisation · 5 members

  • Standard

    Naira

    ₦7,000

    a month · ₦75,600 a year

    • Unlimited transactions
    • Ajo (10 groups) and staff (10)
    • Inventory, loyalty and invoices
    • AI insights and chatbot
    • Branches (3) and PDF reports

  • Premium

    Oga

    ₦15,000

    a month · ₦171,000 a year

    • Everything in Naira, without limits
    • Organisation / cooperative portal
    • Business loan applications
    • Airtime and data wholesale printing
    • API access and priority support

Prices as published in the KudiAI Track product overview, September 2026. They can change — see kudiai.app for current pricing.

Trust and security

Built to be trusted with people's money

Money moves only through server-side checks on balances, limits, PINs and approvals — and every movement is reconciled daily.

  • Transaction PIN

    A hashed PIN, with lockout on retries, on every money action — plus biometric unlock on supported phones.

  • Identity verification

    BVN and NIN checks through licensed KYC providers, with wallet limits that grow in three tiers.

  • A ledger that never pays twice

    Every credit and debit carries a unique reference, and money moves only through server-side checks.

  • Audit everywhere

    Staff actions, admin actions, logins and support sessions are all logged.

  • Receipts anyone can verify

    Every receipt has a reference that can be checked on a public verification page.

  • Privacy and control

    Data is encrypted in transit, consent is recorded, and users can delete their account at any time.

Who it serves

Who uses it, and how

  • 01

    Market traders and shops

    Record sales by voice, see today's profit, and keep stock and credit under control.
  • 02

    Ajo and Esusu collectors

    Collect contributions without cash risk or disputes — commission, withdrawals and payouts are calculated for you.
  • 03

    Cooperatives and associations

    Members, savings, loans, polls and group chat in one organisation portal.
  • 04

    Staff and branch managers

    Their own login and wallet, with access scoped to their branch, sales, stock and records.
  • 05

    Savers and Ajo clients

    See every naira saved, follow a savings card and get paid on time — from their own portal.
  • 06

    Field marketers

    Onboard businesses with a referral link or QR code and earn commission when they subscribe.

See KudiAI Track with your own business in mind

Book a short demo. We will show you the features that matter for the way you work.

Book a DemoAsk a question