Before you put money into anything, an "opportunity" your guy sent on WhatsApp, a loan from an app, savings in naira or dollar, run it through EveryKobo first. We give you the math, the verdict, and a better alternative if there is one.
A single crypto exchange Ponzi promised 100% returns in 30 days. Doctors, civil servants, market women, all wiped out, because no one ran the math out loud.
From ₦460/$ in 2023 to about ₦1,375/$ today. Anyone holding naira-only savings has quietly watched two-thirds of their dollar purchasing power disappear.
Loan apps quote monthly rates that sound small. Compounded annually, some hit 260% APR. Most Nigerians never see the real number.
Each tool is built for one decision Nigerians get wrong constantly. Use them as needed, or together, when a single decision touches all three.
Paste any investment pitch, a WhatsApp message, a website link, a voice note, and EveryKobo decodes it. We tell you if it's mathematically possible, what's actually behind the promise, and what real Nigerian instruments would deliver instead.
Naira or dollar? Money market or stocks? Save here or send abroad? EveryKobo models every realistic option against current inflation and naira depreciation, and shows you what your money actually buys in 3, 5, or 10 years.
"5% monthly" sounds small. Compounded, it's 80% per year. EveryKobo translates whatever the loan app told you into the truth, total naira cost, real APR, comparison with cheaper options, and what that interest could have become if invested instead.
Fair question. We get it constantly. Here's the truthful answer, point by point, about what a general AI cannot do, and what EveryKobo was built to do.
“I almost sent ₦400,000 to a ‘crypto trader’ my colleague swore by. EveryKobo flagged it as a Ponzi in less than a minute and showed me real options paying 22%. Two months later, the guy disappeared.”
“I was about to take a ₦150k loan to fix my generator. EveryKobo showed me I'd be paying over 200% APR and that my employer's salary advance was a tenth of the cost. I would never have done that math myself.”
“My aunty wanted to put her retirement money in a ‘real estate scheme.’ I sent her the EveryKobo analysis on WhatsApp. She read it, called the family meeting, and we stopped her. This product is doing God's work.”
“I've been saving in a regular naira account for years. EveryKobo showed me, in plain numbers, that I'd lost over ₦2 million in real value by not splitting into a dollar fund. Painful, but I needed to see it.”
“What I love is that it doesn't just say ‘don't do it.’ It always gives me a real, legal alternative with the actual return. That's how I finally moved my savings into Treasury bills.”
Paste a pitch. Enter a loan offer. Type a savings amount. Describe what you're considering, in plain words or as a screenshot. EveryKobo reads it the way you'd explain it to a friend.
Live Nigerian rates. Real inflation. Actual fees. Every calculation is shown step by step, no black boxes. You'll know exactly why the verdict says what it says.
Every analysis comes with at least one real alternative, a regulated platform, a different instrument, or simply "wait two weeks." Then save, share, or act on it.
Run your first analysis free. No card, no signup needed to start. Save your results when you're ready.
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