Now in Beta · Africa Built
Chat.
Send Money.
Build Moments
PipChat combines secure messaging, instant payments, creator tools, voice calls, and communities into one powerful platform — designed for the way Africans actually live and work.
+ ₦12,500
FROM AYANNA · NOW
+12 reactions
Tobi & 4 others
JOINED FOREX HUB
End-to-end encrypted
SIGNAL PROTOCOL
Instant payments
NIBSS · 24/7
Community powered
12K+ ACTIVE GROUPS
Cross-platform
IOS · ANDROID · WEB
CBN regulated
MMO LICENSE 4082
End-to-end encrypted
SIGNAL PROTOCOL
Instant payments
NIBSS · 24/7
Community powered
12K+ ACTIVE GROUPS
Cross-platform
IOS · ANDROID · WEB
CBN regulated
MMO LICENSE 4082
Everything you'd open five apps for. In one.
From quick payments to community channels, from voice notes to virtual cards — built native, built African, built fast.
Messaging
Reactions, replies, polls, media, edit and delete. Group chats that don't feel like work.
SECURE · FAST
HD Voice Calls
Crystal clear voice calls that work on slow networks. Crystal clear means crystal clear.
LOW DATA
Video Calls
One-on-one or up to 16 people. Screen share, virtual backgrounds, full HD where you have it.
UP TO 16 PEOPLE
Send Money
Paylo wallet built right into chat. Pay anyone with a tap — bank transfer or PipChat handle.
INSTANT · FREE
Request Money
Owe-me, split-this, pay-me-back. Send a request as a chat bubble. They tap Pay. Done.
PAY-IN-ONE-TAP
Split Bills
Divide any amount across a group. Everyone gets a tap-to-pay request. No awkward follow-ups.
LOW DATA
Communities
Public or private. Gaming, forex, tech, fans — find your tribe or build your own.
12K+ ACTIVE
Broadcast Channels
One-to-many broadcast for creators and brands. Live counts, comments, paid tiers.
BROADCAST
Disappearing Messages
Set messages to vanish after 24 h, 7 days, or a custom time. Privacy by default.
SECURE · FAST
PipAds
Advertising that feels native. Reach audiences inside conversations and channels, not banner walls.
NATIVE FORMAT
Creator Monetization
Subscriptions, tips, digital products, paid groups. Get paid in ₦, withdraw to any Nigerian bank.
EARN IN ₦
And more shipping weekly
Disappearing messages, voice rooms, virtual cards, business profiles — we ship every Friday.
SEE ROADMAP →
The real app.
Not the render.
Every screen below is shipped, working, and in the hands of beta users right now. Watch the walkthrough to see how it all flows together.
Designed for the way
you actually live.
Most messaging apps treat payments as an afterthought. Most fintechs treat conversation as a support ticket. We built PipChat from the chat layer up — money flows through your existing relationships.
Payments inside the chat
Pay someone mid-conversation. The bubble appears in chat, the money appears in their wallet. No app-switching.
Built for Naija realities
Auto-detect MTN, Glo, Airtel, 9mobile. NIBSS direct integration. CBN-compliant. Works on slow networks.
Security without the friction
End-to-end encrypted chats. Face ID payments. 2FA with backup codes. KYC done once.
Creator-first economy
If you build community, you should keep the money. Subscriptions, tips, paid groups — all native.
Build your tribe.
From forex traders in Lagos to anime fans in Abuja — find groups that get it, or start your own with built-in monetization.
Forex Hub Lagos
@forex.lagos
Daily setups, signals, mentorship. EUR/USD, GBP/USD, gold. Public chat, paid mentorship channel.
12,452 members
Naija Gaming
@naija.gaming
FIFA, CoD, Apex tournaments with cash prizes. Daily challenges. Voice rooms while you play.
8,219 members
Lagos Tech Talk
@lagos.tech
Devs, designers, PMs. Job board, code reviews, weekly meetup. AMA every Friday.
5,847 members
Beauty Babes NG
@beauty.ng
Makeup tips, skincare routines, vendor reviews. Paid tier for product testers.
12,452 members
Super Eagles Fans
@supereagles
Match-day chats, ticket pools, fan jerseys. Live voice rooms during every game.
24,108 members
Creative Lagos
@creative.lagos
Designers, photographers, illustrators. Portfolio reviews. Gig board with built-in payments.
24,108 members
Creators earn better
on PipChat.
Subscriptions, tips, paid groups, digital products. Get paid in ₦, withdraw to any Nigerian bank within 24 hours. We take 5% — not 30%.
5%
Platform fee · Lowest in industry
24h
Bank withdrawal · Any time
3.2M
Top creator monthly earnings ₦
847+
Active monetized creators
₦847,250
↑ +24% vs last month · 84 new subs
Jasmine subscribed
PREMIUM TIER · 12 MIN AGO
+₦5,000
Daniel sent a tip
VOICE ROOM · 28 MIN AGO
+₦2,500
Kemi bought · Pro Guide
DIGITAL PRODUCT · 1H AGO
+₦15,000
Ads that feel
like conversations.
PipAds is built native into the messaging experience. No banners. No popups. Sponsored content lives in the inbox alongside real conversations — clearly labeled, never disruptive.
Inbox Ads
Sponsored messages that appear in chat list. Always labeled.
Story Ads
Vertical full-screen between organic stories. Tap to engage.
Community Ads
Targeted by community type. Forex audience? Gaming? Built-in.
Sponsored Channels
Promoted content inside channel feeds. Clearly marked, native format.
Champions League final this Saturday. Match-up bonuses live.
Spotify Nigeria
Afrobeats Hot 50 just dropped. Burna, Asake, Rema and more. Listen free for 30 days.
Black Friday early access — phones, laptops, fashion. Up to 70% off. Pay with Paylo.
Your next conversation
starts on PipChat.
Download the app, join the waitlist, or watch a quick demo. Either way, you're a tap away.