NOKI offers a fintech platform with multi‑currency accounts and instant cross‑border transfers to bank and mobile‑money destinations across Europe and Africa. The app includes AI‑driven budgeting, joint accounts, and a card for global spending, plus a low‑entry gateway to African real‑estate investments.
Funding
Funding not disclosed
Founders
Product
Problem
Many individuals and businesses operating between Europe and Africa lack access to banking services that support multiple currencies, fast cross‑border transfers, and affordable financial tools. They often rely on costly, slow informal channels or manage finances across separate banking systems without cohesive support.
Solution
NOKI provides a fintech platform that combines a multi‑currency account with instant international transfers to both bank and mobile‑money destinations. The app integrates AI‑driven budgeting, joint accounts, and shared savings vaults, enabling users to manage, convert, and send money in over 28 currencies at competitive rates. Users receive a physical or virtual card linked to their account for seamless spending worldwide. Additionally, NOKI offers financial education resources and access to real‑estate and land investment opportunities in Africa, starting from as little as €1.
Target Audience
Primary customers are diaspora individuals, frequent travelers, and SMEs that need to move money and manage finances across Europe and Africa.
Features
- Multi‑currency accounts supporting 28+ currencies with real‑time conversion at transparent rates
- Instant cross‑border transfers to banks or mobile‑money services across Europe and Africa
- AI‑powered budgeting and expense analytics, plus joint accounts and shared savings vaults
- Physical and virtual cards (including premium metal options) linked to the account for global payments
- Investment gateway for African real‑estate and land purchases with low entry thresholds
- Integrated financial education content to improve user financial literacy