Our Work
We build and operate technology products that address real gaps in Nigeria's financial infrastructure. Every product we launch is designed to work reliably at scale, for every Nigerian.
Flagship Product
Myraba is a full-stack consumer financial application built for Nigeria. It brings peer-to-peer money transfers, group thrift savings (ajo), bill payments, USD-denominated savings, and daily interest to a single, seamless platform.
The application is currently available on Android via Google Play and serves users across Nigeria. The backend infrastructure runs on Spring Boot (Kotlin), with a PostgreSQL data layer and JWT-based authentication.
Peer-to-peer Transfers
Instant transfers by phone tag, account number, or QR code.
Thrift Savings (Ajo)
Public and private rotating savings groups with automated scheduling.
Bill Payments
Airtime, data, electricity, cable, and betting — through VTpass.
Soft Life Vault
USD-denominated savings with live exchange rate tracking.
Overnight Interest
11.7% p.a. daily interest on qualifying balances.
Round-Up Savings
Automatic round-up on every transaction into a locked savings pot.
IOU Tracker
Social payment reminders with mutual transaction history guard.
Bill Splitter
Shared bills with even or custom shares, auto-settled on completion.
Technology
Backend
Mobile
Integrations
What's Next
Myraba is in active development. Upcoming milestones include SME banking features, iOS availability, SMS-based OTP via Termii, and deeper KYC integration through licensed BaaS providers.
Longer term, Four Rivers Technology plans to expand the product suite across West Africa, addressing gaps in savings infrastructure, cross-border transfers, and SME payroll.