MoniMata

Give every kobo a job.

Zero-based budgeting for Nigerians — Pidgin nudges, Interswitch bill payments, Mono bank sync, and offline-first storage.

Try in Browser Download APK (Android) View Source ↗ Testing Guide ↓
Preview

See it in action

30-second demo walkthrough, followed by key app screens.

Home screen

Home — Ready to Assign

Budget tab

Budget — Give Kobo a Job

Nudges tab

Nudges — In Pidgin & English

What's Inside

Built for real Nigerian life

Every feature was designed around how Nigerians actually spend, save, and pay bills.

⚖️

Zero-Based Budgeting

Every kobo is assigned to a category. Income minus all assignments always equals zero — the TBB chip updates live as you type.

🪄

Auto-Assign (5 Strategies)

Distribute your TBB in one tap: Underfunded, Last Month Assigned, Last Month Spent, 3-Month Average Assigned, or 3-Month Average Spent. Live preview before applying.

🔔

Smart Nudges in Pidgin

Five trigger types — 80% threshold, 100% exceeded, large single transaction, money received, bill paid. Quiet hours, fatigue limits, Pidgin ↔ Formal toggle.

⚡

Bill Payments (Interswitch)

Pay DSTV, EKEDC, MTN, Glo, and 100+ billers via Interswitch Quickteller. 3-phase WebView checkout — customer validation → secure payment → live receipt.

🔁

Recurring Transactions

Schedule repeating debits and credits — daily, weekly, biweekly, monthly, or yearly. The server generates instances on each sync so you never miss a bill.

🎯

Savings Targets & Goals

Weekly, monthly, yearly, or custom (deadline) targets per category. Custom targets appear as goal progress cards on the Home screen. Cost to Be Me shows your monthly floor.

🏦

Mono Bank Sync

Link any Nigerian bank via Mono Connect. Auto-categorises imported transactions using a narration-mapping engine. Opening balance flows straight into TBB.

📴

Offline-First (WatermelonDB)

The full budget works without internet. WatermelonDB syncs in the background using a delta protocol — only changed records travel over the wire.

🔐

Biometric App Lock

Fingerprint / Face ID lock with configurable timeout. Multi-instance safe — toggling from settings immediately affects all open screens without a restart.

React Native (Expo) FastAPI WatermelonDB PostgreSQL Celery + Redis TanStack Query v5 Redux Toolkit Mono Connect Interswitch Quickteller Expo Router SQLAlchemy + Alembic WebSockets (live sync)

Try MoniMata now

No Play Store. No account needed to install. Sideload the APK directly onto any Android device.

Try in Browser (Appetize) Download APK (Android)
For Judges

Testing Guide

The demo account is pre-seeded with realistic Nigerian data — salary, rent, nudges already firing, goals in progress. Log in with the credentials below, then follow these steps.

🔑

Demo Credentials

Email test@test.com Password @bcd1234

1  Home Screen Tour

  • Dismiss the Welcome card — a 5-step spotlight tour starts.
  • Steps: Profile → Net Worth → All Accounts → This Month → Goals.
  • The Ready to Assign (TBB) chip shows your unassigned balance.
  • Goals shows Travel & Savings sinking funds with progress bars.

2  Budget Tab

  • Transport is red — 143% spent (over-budget).
  • Food & Groceries is orange — 84% spent.
  • Tap any amount → type to assign; TBB updates live.
  • Wand icon → pick strategy → preview → Apply.
  • Long-press a row to drag-reorder within its group.
  • Tap ⋯ to set a target, hide, or rename a category.
  • "Cost to Be Me" card shows total monthly cost-of-living.

3  Targets

  • Budget ⋯ menu → Set Target.
  • 4 tabs: Weekly · Monthly · Yearly · Custom (deadline).
  • Custom targets appear as Goal cards on the Home screen.
  • Behaviors: Assign again · Refill up to · Maintain balance.
  • Save → Home Goals & Cost to Be Me update immediately.

4  Transactions

  • Full history with category chips — tap any row for detail view.
  • + → Add: amount, narration, debit/credit, account, category.
  • Tap Split to divide one transaction across multiple categories.
  • Recurring tab — 3 seeded rules (EKEDC, DSTV, Bolt). Pause / delete inline.
  • Toggle "Repeat this transaction" to create a new recurring rule.

5  Nudges Tab 🔔

  • Tab badge shows 5 unread nudges (pre-seeded).
  • Tap any nudge → Detail Sheet: "Why you got this" + action deep-links.
  • Swipe or tap Dismiss to remove. ✓✓ marks all read.
⚠️ Food & Groceries 84% threshold_80
🚨 Transport over budget threshold_100
Big spend on Rent large_single_tx
Money don enter 🎉 pay_received
DSTV payment done ✅ bill_payment

6  Bills (Interswitch) ⚡

  • Bills tab → browse categories.
  • Select TV/Cable → DStv → Compact Plus.
  • Enter any SmartCard number (sandbox), pick account + budget category.
  • Tap Pay → WebView checkout → 3-phase processing → receipt.
  • Subscriptions budget row updates automatically on completion.

7  Accounts

  • Home → All accounts → GTBank ₦354k + Kuda ₦85k.
  • + → add manual account with opening balance → TBB increases immediately.
  • Link Bank Account starts the Mono Connect flow.

8  Settings & Biometric Lock

  • Profile → Notification Settings: toggle nudges, Quiet Hours (23:00–07:00 WAT), fatigue limit, Pidgin / Formal.
  • Profile → Biometric Lock: toggle ON → fingerprint prompt. Background app 30 s → lock on return. Toggle OFF → immediate unlock.