NITHUB INNOVATION FAIR 2026 · INTELLIGENT MONEY FOR EVERYONE
You're not broke. You're untracked.
Six out of ten naira in Nigeria moves through the informal market — in notebooks, in memory, or in WhatsApp chat. Tracko is an AI assistant, built on BMONI's verified transaction rails, that tracks everything that actually happens in a trader's business —sales, expenses, cash flow, and yes, the credit she gives her customers — and turns all of it into decisions she can act on today.
It's not a literacy problem. It's a recognition problem.
0%
of Nigeria's income comes from the informal sector
₦?
what she's owed today — nobody can say
0
systems that read her trade as real financial behaviour
“I know I sold plenty this month. I just don't know who is still owing me.”
Iya Amaka — trader, Oshodi Market
The book is the system
Sales, expenses, restocks, and the credit she gives out all live in a notebook, a memory, or a WhatsApp chat. When the page turns, that information quietly disappears — and so does the money.
She feels broke while she's rich
Cash is low today, so she stops buying stock — not knowing thousands of naira are sitting with customers she served three weeks ago.
No record, no recognition
She has a bank account, but it was never built for her rhythm. With no usable history, credit and growth capital stay out of reach.
WHAT MAKES TRACKO DIFFERENT
Not another budgeting app with a Nigerian flag on it.
01
Every naira is tracked, not just the digital ones
Most tools are formal-sector budgeting apps in disguise — they only see what touches a bank rail. Tracko tracks sales, expenses, and cash flow the way she actually runs her business, with credit given to customers as one tracked line among many, not a separate app.
02
AI that acts, not just a dashboard that reports
A summary tells her what happened. Tracko's AI reasons across everything it's tracked — sales, credit, spending — to surface risk flags and cash-gap warnings before they become a problem.
03
Built on BMONI, not bolted on top
BMONI's transaction infrastructure is what makes the tracking trustworthy in the first place — every digital payment is verified at the rail, so the AI is reasoning over real data, not self-reported numbers.
WHAT IT DOES
One system. Six jobs done.
01 · LOG
Sales & expense logging
Say it plainly — “sold 3 bags rice, ₦12,000” — and it's logged. Digital money is captured automatically through BMONI; cash takes seconds by hand.
02 · LEDGER
Customer & credit tracking
Who bought on credit, how much, and when it's due — one running ledger among several, sitting next to her cash sales and expenses, not off in its own app.
03 · AI RISK
AI risk flags
Overdue debts, rising balances, repeat slow-payers — the AI reads the pattern across everything it's tracked and flags it before you extend more credit, with the reasoning shown, not hidden in a black box.
04 · AI FORECAST
Cash-flow-gap warnings
The AI projects expected inflow minus expenses minus pending repayments across her tracked transactions — surfaced early enough that she can still do something about it.
05 · BMONI RAILS
BMONI transaction infrastructure
An NGN virtual account, multi-currency wallets, and card issuance turn every digital payment into verified, trackable data — the foundation everything above is built on.
06 · WHATSAPP
AI end-of-day recap
A summary of everything tracked that day, delivered where she already spends her time. No app to remember to open.
THE ONE-LINE TEST
Your sales girl tells you what happened today. Tracko tells you what's about to happen next week — and what to do about it.
WHY BMONI
Not a payment button. The backbone of everything Tracko tracks.
A sale, an expense, or a repayment isn't just logged — it's confirmed by BMONI, and every one of those tracked events feeds the same payment history. That's the layer the AI actually reasons over. Over time it becomes something a Lagos trader has never had: a verified financial record — the thing that eventually unlocks real credit, on top of a system built to track her whole business, not just what she lends out.
NGN virtual account
Customer and supplier payments become trackable data.
Multi-currency wallets
Hold value in Naira or USD, for cross-border buyers.
Stablecoin-backed USD
Savings shielded from Naira depreciation.
Card issuance
Virtual and physical cards, spending the wallet balance.
Why not just automate everything?
Because most of her money is cash, and cash never touches an API. So Tracko is deliberately hybrid — and says so.
DIGITAL
Captured automatically through BMONI. Zero effort, zero typing.
CASH
Logged in seconds, in her own words. Low friction beats false promises.
The risk logic is arithmetic, not a model trained on synthetic data — so every flag comes with a reason she can check.
AFTER THE HACKATHON
What comes after the demo.
01
Voice-first, in her language
Log sales by speaking — Yoruba, Igbo, Hausa, Pidgin — for traders with lower typing comfort.
02
Two-way WhatsApp bot
Reply to the recap to log a sale or chase a debt, without opening anything else.
03
Formal credit scoring
A score built from verified BMONI payments and real credit-sale history.
04
Inventory that restocks itself
Tied to sales data, so “rice is finishing” becomes an alert, not a surprise.
Watch Tracko turn a day of trading into a business you can actually see.
Three minutes: log a cash sale, log a credit sale, watch the AI raise a risk flag on tracked data, and read the evening WhatsApp recap — all on one BMONI-verified ledger.
