Twelve AI is a conversational banking platform that simplifies how individuals and businesses manage money using an intelligent chat-first experience.

Core Features

Chat-based interface for seamless financial interactions
Real-time transaction tracking and insights
Smart automation for routine financial tasks
Clean, intuitive user experience

Transfers & Payments

Instant transfers to supported banks
Intra-Twelve AI transfers using email addresses
Secure and fast peer-to-peer payments
Transaction history with full visibility

Bill Payments

Easily pay everyday bills within the app:

Airtime & data subscriptions
Electricity bills
Cable TV (DSTV, GOTV, etc.)
Internet services
Other essential utilities

Profiles & Accounts

Personal profiles for individuals
Business profiles with enhanced controls
Scalable financial management tools
Organized transaction tracking

KYC & Security

Secure onboarding process
Identity verification using:

* BVN (Bank Verification Number)
* NIN (National Identification Number)
Fraud prevention and compliance measures
Strong data protection and encryption

AI-Powered Insights

Spending analysis and patterns
Smart financial recommendations
Cash flow monitoring
Better decision-making support

Coming Soon

Dollar Accounts – Hold and transact in USD
Dollar Cards – Spend globally with ease

Why Twelve AI?

Fast, reliable, and secure
Built for modern users and businesses
All financial tools in one place
Designed for simplicity, clarity, and control

Twelve AI is more than a banking app—it’s a complete financial operating system, giving you a smarter and more intuitive way to interact with your money.