Klario is an AI-powered personal finance app for Nigerians. It connects all your bank accounts in one place, tracks your spending with AI, automates savings, and lets you pay bills without leaving the app.

No. Klario is a financial intelligence platform, not a bank. We do not hold or custody your funds. All banking and payment functions run through licensed CBN-regulated partners.

How does Klario connect to my bank accounts?

Klario uses licensed open banking infrastructure to read your bank data securely. Your bank login credentials never touch Klario's servers. We receive read-only data through cryptographically signed APIs.

Is Klario safe to use?

Yes. Your data is encrypted with AES-256 at rest and TLS 1.3 in transit. We use biometric authentication, BVN verification, and row-level database security so users cannot access each other's data.

How much does Klario cost?

Klario has three tiers: Free, Money Manager, and Financial Executive. Free gives you a first taste of clarity; the paid tiers add multiple banks, more KlarioAI, an automated budget engine, in-app bill payments and, on Financial Executive, a dedicated human financial manager. See the Pricing section for current rates.

Who is behind Klario?

Klario is a product of Klario Finance, operated by Raavon Limited (RC-9537604, www.raavon.com). The team is based in Nigeria and focuses exclusively on Nigerian financial users.

When can I download the Klario app?

Klario is currently in pre-launch. Join the waitlist on klario.finance to be notified the moment we go live on iOS and Android.

Join the Klario beta

Welcome to the beta

Private Beta · Nigeria

Let's talk about your money. We promise to be nice about it.

Typing every expense into a sheet like it's 2009

Money vanishing with no witnesses

Budgets that ghost you by day ten

Opening five bank apps to feel one emotion

Klario connects your accounts, sorts everything itself, and tells you what's really going on. No typing, no formulas, no Sunday-night spreadsheet guilt.

I'm 18 or older and I agree to the .

9 questions · about 2 honest minutes