El-Fort β World's autonomous payment and commerce platform built for individuals, traders, agents, and businesses across the continent and beyond.
Tired of juggling multiple apps for banking, payments, and business? El-Fort brings everything together in one powerful, secure, and easy-to-use platform.
π³ Payments & Wallets
Send and receive money instantly across multiple currencies. Fund your wallet via bank transfer or card. Check balances, view transaction history, and manage your finances seamlessly β all in one place. El-Fort supports NGN, USD, and more with real-time exchange rates.
π§ Smart Terminal
Experience true cardless banking. Withdraw cash at agent locations, make PoS payments, and send transfers using only your PIN, face recognition, or fingerprint. No physical card or bank branch needed.
π‘ Offline BLE Payments
No internet? No problem. El-Fortβs Bluetooth Low Energy (BLE) technology lets you send and receive money peer-to-peer between devices β completely offline. Ideal for markets, rural areas, and locations with poor connectivity.
π¦ Smart Trader Account
Powered by Stanbic IBTC. Open a real bank account directly in the app and link it to your El-Fort wallet. Receive payments from any Nigerian bank using your dedicated Smart Trader account number. Your wallet and bank account work together as one seamless system.
π Universal Multi-Currency Account Number
One powerful account number that works across currencies and borders. Send and receive NGN, USD, and 100+ currencies β locally and internationally. Cross-border payments made as simple as a local transfer.
π Liquidity Pools & Currency Swaps
Swap between fiat currencies instantly using built-in liquidity pools. No third-party exchanges, no hidden fees, and no delays. Get competitive real-time rates whenever you need them.
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El-Fort Verify
Protect yourself and your family from counterfeit products. Scan QR codes on goods to instantly verify authenticity directly from registered manufacturers. Manufacturers can easily register products and generate secure QR and USSD verification codes.
π€ Agent Network
Become an El-Fort agent and build your own business. Earn commissions on ATM withdrawals, PoS payments, transfers, user enrollments, and manufacturer onboarding. Get access to a dedicated dashboard, float management tools, and real-time reconciliation reports.
π Advanced Biometric Security
Every sensitive transaction is protected by fingerprint and facial verification. Your identity is your key. El-Fort also includes a discreet distress detection feature β if youβre ever under duress, a silent alert is triggered while the transaction appears normal.
π± Works on Web & Mobile
Enjoy full feature parity on Android and Web. Access your wallet, Smart Terminal, agent dashboard, and verification tools from any device, anywhere.
π Built for Africa, Open to the World
Designed from the ground up for African realities β offline-first, biometric-first, agent-powered, and multi-currency. Whether youβre in Lagos, Nairobi, Accra, or beyond, El-Fort works for you.
El-Fort combines secure payments, smart banking, product authenticity, and business tools to empower everyday people and businesses to thrive.
The future of African commerce is here.