victoi

victoi is one app for everything money can do — for you, your people, and your future.

Move it, grow it, save it together, and stay close to the people who matter. No more juggling separate apps for payments, investing, saving, and chat. Just one secure home for your money, with an AI assistant that actually helps you get things done.

— SEND & SPEND, ANYWHERE —
• Send and receive money across borders in seconds
• Hold several currencies in one wallet and exchange at clear, upfront rates
• Pay by QR code and with your virtual or physical card
• Top up by card or mobile money, pay bills, and request money from friends in a tap

— GROW YOUR MONEY —
• Invest in companies from major stock exchanges, right from your phone
• Track your portfolio and the assets you follow in real time

— SAVE & RAISE, TOGETHER —
• Run a Jangi rotating-savings circle with people you trust
• Open a Pool to fund a shared goal as a group
• Launch a fundraiser for a cause close to your heart
• Create events and sell tickets in minutes

— CHAT, CALL & SHARE —
• Private and group chats with photos, voice notes, and files
• Crystal-clear voice and video calls
• Send money right inside the conversation

— MEET VIKI, YOUR AI —
• Ask Viki in plain language to send money, find an answer, or get something done

— GO PLACES —
• Search and book flights and hotels without ever leaving the app

— SECURE BY DESIGN —
• Strong encryption, biometric unlock, and PIN protection
• Identity verification that protects your account and your community

One app. Everything your money can do.
Download victoi and move, grow, and share your money the smarter way.