Kudimata Capital is an investment platform that lets users grow savings through automated spare-change investing, diversified stock portfolios, and savings accounts earning up to 6.3% annual returns. The platform also offers bill payments, fund transfers, and a 99.9% transfer success rate, with security features like a digital card and 24/7 support.
Funding
Funding not disclosed
Founders
Product
Problem
Many individuals struggle to grow their savings and build investment portfolios due to high entry barriers, complex investment processes, and a lack of automated tools that integrate investing into daily financial habits. This prevents consistent wealth accumulation for everyday users.
Solution
Kudimata Capital provides an all-in-one investment and payments platform that simplifies wealth-building. Users can automatically invest spare change from everyday purchases, access expert-curated portfolios featuring ETFs from managers like Vanguard and BlackRock, and earn up to 6.3% annual returns on savings. The platform also ensures reliable money movement with a 99.9% transfer success rate, supporting bill payments, business transfers, and peer-to-peer transactions—all while maintaining a secure, user-friendly mobile app experience.
Target Audience
Primary users are individual consumers in Nigeria seeking an accessible, automated way to save, invest, and manage everyday financial transactions through a mobile platform.
Features
- Automated spare-change investing that rounds up everyday purchases and directs the difference into mutual funds
- Diversified stock portfolios handpicked by experts, including ETFs from Vanguard and BlackRock
- Savings accounts offering up to 6.3% annual returns with a hands-free retirement plan and automatic saving features
- Digital card for online transactions that shields primary card information
- Enhanced security protocols, including face and ID verification, BVN/NIN/KYC checks, and PIN setup for account access
- 24/7 customer support via phone, email, or in-app chat
- Seamless payments with a 99.9% transfer success rate for bills, business transfers, and peer-to-peer transfers