Meet Oracle
Your AI Money Guide
Get instant financial advice trained on Nigerian realities. Taxes, investments, Ajo groups, budgeting—ask anything, anytime.
<30s
Response Time
50k+
Questions Answered
100%
Nigerian Context
Oracle AI
Online • Ready to help
How much tax will I pay on ₦3.5M income?
Ask Oracle About Anything
From taxes to Ajo groups, Oracle AI covers every aspect of Nigerian personal finance.
Tax Planning
2026 reforms, deductions, optimization
Ajo Groups
Trust scores, risk assessment, group advice
Budgeting
Expense analysis, category suggestions
Investing
T-Bills, mutual funds, stocks, crypto
Savings
Emergency funds, high-yield options
Financial Goals
Strategies, timelines, tracking
Business Finance
SME taxes, cash flow, growth
Crypto Taxes
Capital gains, reporting, compliance
Getting Financial Advice
Shouldn't Be This Hard
Most Nigerians have money questions but nowhere to turn for reliable, affordable advice.
Advisors Cost ₦50k+ Per Session
Traditional financial advisors charge rates most people can't afford for a simple question.
Not Available When You Need Them
You have a question at 11pm on Sunday. Banks are closed. Advisors are offline. You need an answer NOW.
Google Gives American Advice
Search results are full of USD-based advice that doesn't apply to Naira, Nigerian taxes, or local banks.
Friends Mean Well But...
Their advice is based on their situation, not yours. What worked for them might not work for you.
Why Oracle AI Is Different
Built specifically for Nigerian financial realities. Not a generic chatbot.
Nigerian-Trained AI
Understands Naira, Nigerian banks, 2026 tax reforms, local investment options, and our economic context.
Instant Responses
Get answers in under 30 seconds, 24/7. No appointments, no waiting for office hours.
Personalized to YOU
Analyzes your Nalo data (income, expenses, goals) to give advice tailored to your situation.
No Hidden Agenda
Zero commissions, zero product pushing. Only unbiased advice in YOUR best interest.
Plain Language
Ask in English or Pidgin. No financial jargon required. Get simple, clear explanations.
Always Learning
Continuously updated with new regulations, market changes, and user feedback.
Type It Like You
Talk It
Add transactions in plain language. Oracle AI understands Nigerian slang, merchants, and payment methods.
You type:
"Bought suya at Obalende for 2k"
Oracle parses:
₦2,000 → Dining → Expense
You type:
"Sent 50k to my guy for business"
Oracle parses:
₦50,000 → Transfer → Expense
You type:
"Freelance payment from Tobi 150k"
Oracle parses:
₦150,000 → Freelance → Income
You type:
"DSTV sub renewed 29,500"
Oracle parses:
₦29,500 → Subscriptions → Expense
Nigerian Merchants Auto-Detected
Groceries
Transport
Utilities
Entertainment
SLANG SUPPORT: "Sharp sharp", "I send am", "e don land", "bros pay me" — we understand!
Choose Your Oracle Power
Every plan includes Oracle AI. Higher tiers get more questions per month.
FREE
10
Questions/Month
Perfect for occasional guidance
₦0
BASIC
100
Questions/Month
Great for weekly check-ins
₦2,500/mo
PREMIUM
1,000
Questions/Month
Daily financial conversations
₦10,000/mo
UNLIMITED
∞
Questions/Month
No limits, ever
₦25,000/mo
Monthly Reset
Your question count resets automatically on the 1st of each month. Unused questions don't roll over.
Your Data Is Protected
Oracle AI is read-only and follows strict security protocols.
Read-Only Access
Oracle can SEE your data to give advice, but can NEVER move money or make transactions.
No Data Selling
Your conversations and financial data are never sold to third parties. Zero exceptions.
10-Second Timeout
API requests timeout after 10 seconds. No hanging connections or delayed responses.
Input Sanitization
All inputs are cleaned to prevent prompt injection attacks. Max 2,000 characters per message.
Dual AI Failover
Primary AI backed by fallback. If one fails, the other takes over seamlessly.
Rate Limiting
3 requests/second max. Protects against abuse while ensuring fair access for everyone.
Loved by Nigerians
Real stories from real Oracle AI users.
Oracle helped me realize I was overpaying taxes by ₦180,000! The advice paid for my Premium subscription 18x over.
Chioma A.
Freelance Designer
I asked about investing at 2am because I couldn't sleep. Got a perfect breakdown in seconds. No advisor does that.
Emmanuel O.
Software Developer
The Ajo trust score analysis saved my group from a potential defaulter. Oracle flagged risk I would have missed.
Funke B.
Small Business Owner
Real Questions,
Real Answers
See how Oracle AI helps Nigerians make smarter money decisions.
You asked:
I earn ₦2.5M/year. How much tax do I owe under the 2026 reforms?
Under the 2026 reforms, here's your breakdown:
- 1First ₦800,000 = ₦0 (tax-free threshold)
- 2₦800k - ₦2.5M at 15% = ₦255,000
- 3Pension deduction (8%) saves you ₦200,000
- 4Rent relief (20% of rent) saves another ₦120,000
Your actual tax: ₦0 because deductions exceed liability!
You asked:
Where should I invest ₦1M for the best returns?
Based on your moderate risk profile, I recommend:
- 1₦400k → Treasury Bills (13% p.a., very safe)
- 2₦300k → Mutual Funds (12-15% p.a., moderate)
- 3₦200k → High-yield savings (10% p.a., liquid)
- 4₦100k → Keep accessible for emergencies
Projected return: ₦115,000 - ₦130,000 in 12 months
You asked:
My Ajo member has 62 trust score. Is that risky?
Trust score 62 is 'Fair' (50-74 range). Analysis:
- 1This member missed 1-2 payments in 6 months
- 2They eventually pay, but 3-7 days late
- 3Risk level: MEDIUM - not dangerous but watch closely
- 4Recommendation: Keep them, but don't increase their position
Monitor for 2 more cycles. If score drops below 50, consider replacement.
Oracle AI vs Others
Feature | Traditional Advisor | ChatGPT/Google | Oracle AI |
|---|---|---|---|
| Cost | ₦50k+/session | Free | Free / ₦10k unlimited |
| Availability | 9-5 weekdays | 24/7 | 24/7 |
| Response Time | Days/weeks | Instant | < 30 seconds |
| Nigerian Context | Maybe | Generic/American | 100% Nigerian |
| Your Financial Data | Manual sharing | None | Auto-analyzed |
| 2026 Tax Reforms | Varies | Outdated | Fully updated |
| Ajo/Esusu Knowledge | Limited | None | Expert level |
| Personalization | Good | None | Excellent |
Frequently Asked Questions
Oracle AI is trained specifically on Nigerian financial realities—Naira, Nigerian banks, 2026 tax reforms, local investment options, and Nigerian economic context. ChatGPT and Google give generic, often American-centric advice that doesn't apply here. Oracle also has direct access to YOUR Nalo account data (income, expenses, goals) for personalized recommendations, not just general information.
NO. Oracle AI is read-only. It can see your Nalo data (income, expenses, budgets, goals) to give personalized advice, but it CANNOT access your actual bank accounts, make transactions, or move money. It's purely an advisory tool—you maintain 100% control over all financial actions.
Anything financial! Tax calculations ('How much tax on ₦5M income?'), budgeting ('Where should I cut expenses?'), saving ('Should I save or invest?'), investing ('Best place for ₦500k?'), debt ('Should I pay off loans or save?'), Ajo groups ('Is this trust score risky?'), income optimization ('Which hustle should I focus on?'), and more. If it's about money, Oracle can help.
YES! Free users get 10 Oracle AI questions per month. This is perfect for occasional guidance. Premium users (₦10,000/month) get UNLIMITED questions—ask as many as you want, whenever you want. No limits, no extra fees.
Oracle AI is trained on official sources (CBN data, FIRS tax laws, verified investment information) and continuously updated. However, Oracle is a GUIDE, not a replacement for professional financial advisors or tax accountants. For complex situations (large investments, legal tax issues, estate planning), consult a certified professional. For everyday money questions, Oracle is highly reliable and accurate.
NEVER. Oracle AI has zero conflicts of interest. It doesn't get commissions from recommending specific banks, investments, or products. It doesn't sell your data to third parties. Its only goal is to help you make better financial decisions based on YOUR best interests, not corporate partnerships.
Still have questions?
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