Sovereign Wallets &
Instant Telecom Finance
The payment engine designed for the Nichat ecosystem. Auto-issued 9PSB bank accounts, dual-currency virtual cards, instant automated VTU discounts, and tiered daily capacity from Ni-0 (₦10k) up to Ni-3 (₦200k).
Transparent Daily Limits (Ni-0 → Ni-3)
No hidden charges, no unverified accounts. Upgrade seamlessly by linking verified national identities with automated verification.
- Instant Mobile Signup
- Airtime & SME Data
- Dedicated 9PSB Account
- NIMC 11-digit NIN Match
- P2P Chat Wallet Transfers
- Cable & Electricity Bills
- Bank Verification (BVN)
- Virtual Dollar Mastercard
- Multi-Bank Outbound Transfers
- Utility Bill / Address Proof
- Highest Individual Tier
- Priority 24/7 Concierge Support
Engineered for Instant Telecommunications & Banking
Every service is backed by direct upstream API switches with zero manual reconciliation.
Dedicated Virtual Accounts
Auto-generated 9PSB & PalmPay virtual account numbers dedicated to your profile. Transfer money from any bank app and watch your wallet update in under 2 seconds.
Virtual Dollar Cards
Create virtual Mastercards and Visa cards via PayVessel. Seamlessly subscribe to Netflix, Spotify, ChatGPT Plus, and shop worldwide directly from your Naira balance.
Instant Telecom Automation
Discounted SME & Corporate Gifting data across MTN, Airtel, Glo, and 9mobile. Instant Prepaid meter token generation, cable TV renewals, and international travel eSIMs.