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AI collections for African business

Get paid.
Stay organized.
Know your money.

Payments, receipts, refunds, installments and reconciliation in one AI agent, with stablecoin settlement across borders.

Open your account
Smiling woman holding up a phone that shows the gabis app with her balance and currencies
PAYMENT RECEIVED
₦150,000 from Sarah Okafor
Invoice #0142 paid ✓
Matched by AI · Zenith Bank · Just now
RECEIPT SENT
Receipt for Invoice #0142
emailed to Sarah
Automatic · 2 seconds ago
TAX SET ASIDE
₦11,250 VAT reserved
from this payment
Ready for your next filing
Built for business in NigeriaKenyaGhanaUgandaTanzaniaSouth SudanLiberia+ more coming soon A Paynautik product
7
African tax corridors built in
24/7
Stablecoin settlement
12
Currency wallets in one account
1
Sentence to draft an invoice
THE APP

Twelve wallets. One tap to move money.

Hold naira, shillings, cedis, US dollars, British pounds, euros and more in one account. Try it: tap Send, Receive, Swap or Deposit on the phone.

Catch the orbs — earn gabis points
12
WALLETS
9:41
gabis
Welcome backDeji AdewusiDA
Total balance₦ 860,000

Your currencies

₦NGN120,000
$USD200.00
£GBP100.00
KShKES15,000
GH₵GHS900.00
+ 7 more: UGX · TZS · SSP · LRD · EUR · CAD · JPY
THE INNOVATION

Most businesses are owed money they never ask for twice.

The agent asks for them — in English, Pidgin, Yoruba, Hausa or Igbo. It hears the promise, sets the follow-up, and clears the invoice when the money lands.

01

Add whoever owes you

Import your debtors once — name, number, what they owe, when it was due.

02

Reminders go out on time

Ten days before, on the day, and after. You never have to remember a date again.

03

The agent does the asking

It negotiates in the customer’s own language, understands a payment promise, sets the follow-up date and updates the invoice itself.

04

Payment clears the invoice

A one-tap link on WhatsApp. When it lands, the ledger updates itself.

The agent that does the chasing for you.

Stop matching bank alerts and calling debtors at night. gabis reads, drafts, reminds and answers.

Match

Reconciliation engine

Maps messy interbank feeds to invoices, even with fuzzy names.

Zenith · NIP transferS OKAFOR BRND DSGN
matched by AI
Invoice #0142₦150,000 · Paid ✓
Call

Voice reminders

Localized, polite robot calls to customers with balances due.

Calling Sarah OkaforPayment reminder · ₦150,000 due
Draft

Invoice assistant

“Bill Sarah 150k for brand design” becomes a ready invoice.

Bill Sarah 150k for brand design
Brand design × 1₦150,000
Draft ready to send
Ask

Ask your money

“Who has overdue installments?” Answers from your own history.

Who has overdue installments?
2 overdueSarah Okafor · Tunde B.
From your own history
THE INTELLIGENCE BEHIND YOUR MONEY

Stop managing money.
Start telling it what to do.

Experience Gabis AISee live simulations
FLAGSHIP ARCHITECTURE

Gabis Financial Agent Network

Users don’t just get one generic chatbot. You get a coordinated network of specialized financial agents working together under the Gabis Orchestrator to simulate, protect and grow your money.

ALL 5 AGENTS SYNCHRONIZED
Money AgentCash flow & affordability
Security AgentFraud intercept & firewall
Travel & FX AgentCurrency spreads & hedging
Wealth AgentAutomated waterfall goals
Bills AgentRecurring debt collections
FEATURE 01 · MONEY TWIN

Simulate your financial future before you spend.

A continuous AI model of your financial life. When you ask “Can I afford this?”, gabis doesn’t just check your current balance — it simulates upcoming obligations, salary timelines and a safe buffer.

Predictive twin simulation₦320k safety buffer guard
AFFORDABILITY SIMULATORBalance ₦620,000 · bills ₦96,000
Can I buy a MacBook Pro for ₦480,000?
gYou can, but it leaves just ₦44,000 for the next 18 days after bills.
Purchase ₦480kBills ₦96kLeft ₦44k
Buy today₦44kleft for 18 days
RecommendedSplit across two paydays₦284k₦240k now, ₦240k after salary
FEATURE 02 · AUTOPILOT

Give your money goals. gabis handles the routine.

Traditional apps hand you tools and leave you to do the work. With gabis, you tell it what you want your money to accomplish. When income hits, your automated wealth waterfall runs in milliseconds.

INCOME DETECTED₦1,200,000
Bills & Rent₦180,000
High-Yield Savings₦250,000
Global Investment₦100,000
SAFE TO SPEND₦670,000
GABIS STOPPED THIS PAYMENT₦420,000 → New recipient
  • First interaction with beneficiary
  • Amount is 7.4× your average transfer
  • Recipient added 4 minutes ago
“This doesn’t look like you.”
ReviewApprove anyway
AI SECOND OPINION

Financial Firewall

An active AI security layer between you and the financial world that intercepts unusual withdrawals before money leaves.

NEXT 30 DAYS₦18,400 safe today
payday
Today₦840k7 days₦712k14 days₦491k30 days₦680k
What ifDining +₦80k→Goal moves Nov 14 → Dec 2
FINANCIAL WEATHER FORECAST

Future Mode

Stop looking backward at bank history. See what your balance looks like before payday arrives and test “what-if” scenarios.

Save ₦2M by December.
gDone. ₦400,000 a month gets you there by Dec 1.
GOAL₦2,000,000
AugSepOctNovDec
5 agents on itEN · Pidgin · Yorùbá · Hausa · Igbo
GABIS EXECUTIVE

Intent-Based Financial AI

Tell gabis what you want your money to accomplish in everyday language. It works out the numbers and carries them out.

BRAND PERSONALITY · FRIDAY ROASTRoast level Spicy
g
gabis · Friday 6:00 PM

₦38,000 on suya this week. The suya man now knows your name, your order and your birthday.

g
gabis · Friday 6:00 PM

Three rides to a place 900 metres away. Your legs have filed a complaint.

g
gabis · Friday 6:01 PM

Good news: you still beat August. Bad news: August was a crime scene.

Your September financial crimes are ready.

AI that keeps you disciplined through brutally witty spending accountability. Turn the heat up or down any time.

CURRENCY INTELLIGENCE

Gabis FX Agent: never convert at bad rates.

USD → NGNLive
Best moment
MonTueWedThuFri
Converted $200 at the week’s high+3.4% better than converting on Monday

gabis watches interbank rates 24/7 across 12 currencies and converts when the moment is right, or alerts you first.

Made for the people who keep Africa trading.

Market traders, tailors, creatives and salon owners already run on transfers and trust. gabis adds the paperwork.

African fashion designer in his tailoring workshop
TAILORS & FASHION
Deposits and balances, settled before pickup.
Take a deposit, track the balance and send the final receipt when the garment is ready.
Creative photographer in studio with camera and gabis invoice
CREATIVES
Bill a shoot in one sentence.
Type what you did and who for. gabis drafts the invoice and chases it politely.
African client smiling in modern beauty salon with settled payment
SALONS & SERVICES
Every walk‑in, on the books.
Card, transfer or cash: each payment is logged, receipted and reconciled by close of day.

Every step from payment to proof.

Payment receivedReceipt #R-2291 · 09:41
₦48,500
FromSarah Okafor
ForBrand design · deposit
VAT (7.5%)₦3,384
Sent to customer on WhatsApp
01 · RECEIPTS

Instant, compliant proof of payment.

A digital receipt is issued and logged the moment money settles.

TUNDE PHOTO · ₦250,000Next due Oct 15
₦62,500Aug 15
₦62,500Sep 15
4₦62,500Nov 15
2 of 4 paid₦125,000 left
Service pauses if unpaid by Oct 22
02 · INSTALLMENTS

Credit sales, tracked to the naira.

Paid, remaining, next due date and service cut‑off at a glance.

ORDER #013914-day refund policyWindow closes Fri, 5 PM
!We’ll remind you 24 hours before it closes.
03 · REFUNDS

Refund windows that count down.

Set 7‑ or 14‑day policies. Get warned before a window closes.

STABLECOIN RAILS

Get paid from anywhere. Settle in USDC or local currency.

Customers abroad pay in US dollars; you keep USDC or convert to naira, shillings, cedis or Liberian dollars when you choose. No waiting days for a wire.

1Client pays in US dollars2You hold USDC3Cash out locally, any time
AS
Incoming · LondonAdeola Studio Ltd
$1,250.00
Settled on stablecoin rails
$
Your USDC wallet1,250.00 USDC
Received
Convert when you choose
PAY OUT TO
₦NGNKShKESGH₵GHSUShUGX
Rate locked for 30s0:30
Convert to naira
TAX COMPLIANCE

Tax compliance across seven corridors.

VAT and withholding tax calculated on every invoice, with reports ready for your tax authority and one‑click remittance to treasury.

INVOICE #0142 · NIGERIAAuto-calculated
Service price₦150,000
VAT 7.5%+ ₦11,250
Gross invoice₦161,250
WHT 5% (client withholds, remits to FIRS)− ₦7,500
Net payment to you₦153,750
You remit ₦11,250 VAT to FIRS
Read the tax guide →
NG
NigeriaFIRS
VAT7.5%
WHT2.5 – 10%
KE
KenyaKRA
VAT16%
WHT3 – 10%
GH
GhanaGRA
VAT15%
WHT3 – 7.5%
UG
UgandaURA
VAT18%
WHT6 – 15%
TZ
TanzaniaTRA
VAT18%
WHT5 – 15%
SS
South SudanNRA
SALES TAX18%
WHT10 – 15%
LR
LiberiaLRA
GST10%
WHT10 – 15%
Rates vary by service type and residency.gabis picks the right band per invoice and you can override it. Confirm with your tax adviser.
COMMUNITY & TRUST

The funds are secure.
The community is empowered.

Most finance apps ask a model to do arithmetic and hope it is right. We do the opposite: the numbers come from your own transactions, and the model is used where it is genuinely better than code — language, context and judgement.

AOKBTEFNIMDA
This round₦300,000Tunde · Fri
Round 3 of 66 members · ₦50k each
AJO SAVING CIRCLE

Rotate funds with trust

Join or create saving circles with your community. gabis automates the collection and payout schedules, ensuring everyone gets paid on time without the administrative headache.

Buyer paid ₦150,000Mon 10:02
Held safely by gabisUntil delivery is confirmed
3
Released to sellerWhen both sides agree
SECURE ESCROW

Protect every transaction

Buy and sell with complete confidence. gabis holds the funds securely until both parties are satisfied, and resolves disputes fairly.

ggabis · now
Release ₦150,000 to Sarah Okafor?Escrow · Order #0139 · delivery confirmed
ApproveDecline
Nothing moves without your tap
ALWAYS

You approve before money moves

Transparency is built-in. Every contribution, payout and escrow release waits for your approval. No automation here can spend on your behalf.

STORIES

Real businesses. Real follow-ups.

10/02/2026
Collections guide

How to follow up on an overdue invoice without losing the customer

Late is usually not a refusal. What to say, when to say it, and how to firm up in steps without souring the relationship…

READ MORE
10/02/2026
Tax guide

Reading an invoice with VAT and withholding tax

A worked ₦150,000 example: service price, VAT, gross invoice, withholding tax and the net payment you actually receive…

READ MORE
10/02/2026
School fees guide

A termly fee plan that parents can actually keep

Split fees across the term, remind before each date, and see who is short by class before the term ends…

READ MORE
gabis

Money should feel this easy.

Open an account in minutes, hold the currencies you actually use, and move your first payment the same day.

Open your account

Questions, answered

What is gabis?

gabis is an AI agent for collecting money. It handles payments, receipts, refunds, installments and reconciliation in one place, with stablecoin settlement across borders.

Which countries does it work in?

Nigeria, Kenya, Ghana, Uganda, Tanzania, South Sudan and Liberia, with more countries coming soon.

Which currencies can I hold?

One account holds 12 currency wallets, including naira, shillings, cedis, US dollars, British pounds and euros.

How does invoicing work?

Describe what you are owed in a single sentence. gabis drafts the invoice for you to review, then sends it and follows up on it.

What is stablecoin settlement?

Cross-border payments settle in stablecoins, around the clock, so you are not waiting on bank opening hours.

How does gabis protect my money?

gabis checks transfers for fraud and asks you to confirm anything unusual before money moves.

What does it cost?

Fees depend on the payment method and the country. Open an account to see exactly what applies before you pay anything.

Woman smiling at her phone on a sofa

DOWNLOAD FOR FREE.

One account, every currency, zero borders: send, receive, earn and move money globally in minutes.

Open your account on the web · opens in minutes

DOWNLOAD ON THEApp Store GET IT ONGoogle Play
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