Check Balance
Instant real-time balance queries built right into your WhatsApp conversation.
₦128,450.00Savings
Live on WhatsApp•Powered by BMONI Stablecoin
Your bank,
now on WhatsApp.
Check your balance, send money instantly, and withdraw cash just by texting. Built on BMONI's stablecoin infrastructure — zero apps to download, 100% secure.
₦0.00
Transfer fee to peers
< 5s
Settlement speed
1:1
BMONI asset backing
ChatMonie
Official Business • online
TODAY
Type a banking command...
End-to-End Encrypted
Direct WhatsApp Protocol
Conversational core
Financial freedom at your fingertips
Everything your traditional banking app does, without ever leaving your favorite chat app.
Send Money
Lightning-fast P2P and bank transfers to any local account with zero complicated forms.
Commercial Bank₦0 Fee
Withdraw Cash
Seamless off-ramp into your personal bank account or your authorized physical location.
Instant Settlement<5 seconds
Transaction History
Receive instant summaries, monthly snapshots, and categorized spending insights right in WhatsApp.
Past 6 MonthsAuto-synced
Never open another banking app again
Traditional apps take 4MB+ storage, demand constant passwords, and crash during peak hours.
APP STORAGE
0 MB RequiredUPTIME
99.99% WhatsApp
0 MB RequiredUPTIME
99.99% WhatsApp
Effortless setup
Up and running in 60 seconds
No long forms. No physical paperwork. Just a natural conversation with ChatMonie to get verified, funded and ready.
01
Message us on WhatsApp
Simply click or link or scan our QR code to begin a secure chat with ChatMonie using your existing WhatsApp.
Say 'Hello' to initiate
02
Verify in under a minute
Quick automated KYC via WhatsApp prompts to activate your encrypted ChatMonie account safely.
Automated NIN/Bank verification
03
Start banking by chat
Deposit funds, then command plain natural language and manage your money effortlessly 24/7.
Instant settlement ready
Prefer using your desktop WhatsApp?
Scan from your mobile camera to start instantly.
Bank-grade encryption • Regulatory compliance
Fiduciary security engineered directly into your conversation
Built on BMONI's institutional-grade stablecoin infrastructure. All conversations are end-to-end encrypted with two-factor biometric confirmation for varying single withdrawal or outbound payment.
256-bit AES
Military Grade Encryption
Zero Spam
No Unsolicited Messages
2FA Security
PIN + Biometrics Checks
1:1 Backing
BMONI Stablecoin Reserve
◉ Audited Smart Contracts◉ NDPR & GDPR Compliant Fiduciary Rails◉ Non-Custodial Fiat-rail Integration
Ready in 60 Seconds
No app. No forms.
Just chat.
Join the future of conversational finance. Message ChatMonie right now and experience banking as simple as texting a friend.
Chat with us on WhatsAppNo credit card required • Instant setup in 60 seconds
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