JAY is Online · Nigeria's First AI Banking OS · CBN Licensed

The AI Banking Operating System

Built for Every
African.

J
JAY
Your Personal Banking Officer

Meet JAY — your dedicated Personal Banking Officer at JasonPay.
He speaks your language, handles every transaction, and never sleeps.
In English, Pidgin, Yoruba, Hausa, or Igbo. No branch. No queue. No stress.

📱 Get JasonPay Free 👤 Meet JAY
24/7
JAY Never Sleeps
5 Langs
English · Pidgin · Yoruba · Hausa · Igbo
22% p.a.
Vault Savings Rate
₦0
Monthly Fee
Nigerian woman banking with JAY Nigerian entrepreneur using JasonPay
JAY — Your Personal Banking Officer
Zero Queue · 5 Languages · CBN Licensed · 2026 Finance Act Ready
Online Now
Two Interaction Models

Banking that fits you.
Not the other way around.

JasonPay gives you two seamless ways to bank. Both CBN-compliant, both fully featured, both powered by JAY.

✦ Default Mode
💬

JAY Mode

Conversational, voice-first banking. Talk to JAY like a trusted banker — he understands context, confirms details, and executes. Perfect for everyone, especially first-time bankers and low-literacy users.

✓
Type or speak in any Nigerian language
✓
JAY remembers your conversation context
✓
Auto-classifies every transaction for FIRS
✓
Voice banking — no typing required
✓
Explains everything step by step
Classic Mode
🏦

Classic Banking Mode

Prefer traditional navigation? Switch to a full manual banking interface — transfers, cards, analytics, dollar wallet — all in a clean, familiar dashboard. Same officer. Different interface.

✓
Transfer forms with NUBAN verification
✓
Virtual card management and freeze
✓
Transaction history with search + filter
✓
Spend analytics and Finance Act reports
✓
Dollar Wallet with live FX rates
Meet Your Officer

JAY doesn't behave
like an AI.
He behaves like a
Nigerian banker.

JAY introduces himself the way a dedicated banking officer would — not as a chatbot or AI. He knows your name, your history, and speaks your language from the first word.

🗣️
Speaks 5 languages natively — English, Naija Pidgin, Yorùbá, Hausa, and Ásụ̀sụ̀ Igbo. Switch languages anytime, JAY responds instantly.
🧠
Remembers your conversation — JAY maintains context across your session, like a banker who actually pays attention.
⚡
Executes, not just advises — JAY processes real transactions. Transfers, bills, Vault savings, Esusu contributions, diaspora remittance — all completed through conversation.
📋
Every transaction classified for FIRS — Business or Personal, automatically. Your 2026 Finance Act records are always audit-ready.
JasonPay Financial Services
JasonPay Staff ID
Online 24/7
J
JAY
Personal Banking Officer
JasonPay Financial Services Ltd. · Nigeria
💸
Transfers · Airtime · Bills · Data · Cable TV
💰
Esusu Groups · Vault Savings (up to 22% p.a.)
🌍
Diaspora Remittance · Dollar Wallet · Live FX
🗣️
English · Pidgin · Yoruba · Hausa · Igbo
📋
2026 Finance Act · FIRS Audit Ready · Tax Receipts
CBN Licensed
FIRS Ready
256-bit Encrypted
PIN Secured
No Loans
How It Works

AI-first banking vs.
traditional banking.

JAY's intelligence is orchestrated — not a single prompt. Every request flows through specialist departments internally, while you only ever interact with one trusted officer.

JAY Mode — Conversational
1
You speak or type anything
In any of 5 languages. "Send ₦50k to Emeka at GTBank" — that's all JAY needs.
2
Language detection + intent recognition
JAY identifies your language, extracts the intent, and routes to the right internal department.
3
Entity extraction + fraud check
Account numbers, amounts, and recipients are verified. Fraud patterns are checked in real time.
4
Confirmation + PIN authorization
JAY reads back every detail before executing. Your PIN confirms. No exceptions.
5
Instant execution + branded receipt
Transaction completes. A FIRS-ready receipt with Finance Act classification is generated instantly.
Classic Mode — Traditional
1
Select a service
Transfer, bills, airtime, Vault, Esusu, remittance — choose from the banking dashboard.
2
Fill the form
Account number verified via NUBAN lookup in 1.8s. Amount and narration entered.
3
Classify for Finance Act
Mark every transaction as Business or Personal — required for 2026 Finance Act compliance.
4
PIN authorization
Your 4-digit PIN confirms every transaction. Biometric fallback available on supported devices.
5
Receipt + analytics updated
Branded receipt generated. Spend analytics and Finance Act reports updated in real time.
Full Service Banking

Everything JAY handles.

Every banking service you need — available 24/7, PIN-secured, and CBN compliant. No branch visit. No queue. Ever.

📤
Money Transfer

Instant transfers to any Nigerian bank. NUBAN account verification in under 2 seconds.

📱
Airtime & Data

Top up any network — MTN, Airtel, Glo, 9mobile. Any denomination, instantly.

💡
Electricity

Prepaid tokens for all DisCos — EKEDC, IKEDC, AEDC, PHEDC. Token delivered instantly.

📺
Cable TV

DSTV, GOtv, StarTimes — any package renewed in seconds via JAY or manual form.

🤝
Esusu Groups

Digital rotating savings circles — transparent, JAY-managed, fully traceable.

🔐
Vault Savings

Lock savings for 30–365 days. Earn up to 22% p.a. JAY tracks every kobo.

🌍
Diaspora Remittance

Receive USD, GBP, EUR into your Dollar Wallet. Convert at live CBN-tracked rates.

📷
Scan & Pay

Scan merchant QR codes to pay instantly. No card, no cash, no friction.

💳
Virtual Cards

Naira and Dollar virtual cards — freeze, unfreeze, check details. Fully controlled.

Multilingual Banking

One officer.
Five Nigerian languages.

Switch languages anytime. JAY responds immediately in your tongue — same intelligence, your language, your pace. Banking that feels like home.

🇬🇧 English
🇳🇬 Pidgin
Yorùbá
Hausa
Igbo
JAY · Personal Banking Officer
Good afternoon, Emmanuel. Welcome back. I'm JAY, your Personal Banking Officer at JasonPay. How can I assist you today?
Send ₦50,000 to Ngozi at GTBank
JAY
I'll process ₦50,000 to Ngozi (GTBank) for you. Is this Business or Personal for your 2026 Finance Act record?
JAY · Personal Banking Officer
Good afternoon Emmanuel! I be JAY — your JasonPay Banking Officer. I no dey sleep o, I dey here 24/7. Wetin you wan do today?
Send ₦50,000 give Ngozi for GTBank
JAY
I go send ₦50,000 give Ngozi (GTBank). Na Business or Personal? I need am for 2026 Finance Act.
JAY · Oṣiṣẹ Banki Rẹ
Ẹ káàsán, Emmanuel! Emi ni JAY — oṣiṣẹ banki foju rẹ ni JasonPay. Mo n ṣiṣẹ wakati 24. Bawo ni mo se le ran ẹ lọwọ oni?
Fi ₦50,000 rane si Ngozi ni GTBank
JAY
Mo máa fi ₦50,000 rane si Ngozi (GTBank). Ṣé ètò iṣowo tabi ti ara ẹni ni? Mo nilo fun Finance Act 2026.
JAY · Ma'aikacin Banki Naka
Ina wuni Emmanuel! Ni ne JAY — ma'aikacin banki naka na zahiri a JasonPay. Ina aiki dare da rana. Yaya zan taimaka yau?
Aika ₦50,000 ga Ngozi a GTBank
JAY
Zan aika ₦50,000 ga Ngozi (GTBank). Shin kasuwanci ne ko na sirri? Ina bukata don Finance Act 2026.
JAY · Onye Ọrụ Banki Gị
Ehihie ọma Emmanuel! Abu m JAY — onye ọrụ banki nke gị nke JasonPay. Ana m arụ ọrụ awa 24. Kedu ka m ga-esi nyere gị aka taa?
Zipu ₦50,000 nye Ngozi na GTBank
JAY
M ga-ezipu ₦50,000 nye Ngozi (GTBank). Ọ bụ azụmahịa ka ọ bụ nke onwe gị? Achọrọ m maka Finance Act 2026.
Banking Plans

Built for every Nigerian.
Personal and Business.

Personal
Business
💳
Personal Account

Free Naira and Dollar accounts. Instant account opening — no branch visit, no paperwork.

🔐
Vault Savings

Lock money for 30 to 365 days. Earn up to 22% p.a. JAY tracks every naira.

🤝
Esusu Groups

Create or join rotating savings circles — digital, transparent, zero hassle.

🌍
Diaspora Remittance

Receive from the UK, USA, Canada, Italy. Dollar Wallet + live CBN FX conversion.

📱
Bills & Utilities

Electricity, airtime, data, DSTV — tell JAY or use manual forms. Done in seconds.

📊
Finance Act Records

Every transaction classified: Business or Personal. FIRS audit-ready receipts — automatically.

🏢
Business Account

Dedicated business current account. Tax-classified from day one. FIRS ready.

📋
2026 Finance Act Compliance

JAY auto-classifies every payment as Business — generates FIRS-ready narrations for your accountant.

💼
Bulk Transfers

Pay suppliers, staff, and contractors in bulk. Every record traced and documented.

📷
QR Merchant Payments

Accept payments via QR code. No POS terminal needed. Instant settlement.

📊
Business Analytics

Monthly spend breakdowns, category analytics, and tax-year summaries — all in one dashboard.

🌍
International Payments

Dollar wallet for import payments and diaspora collections. Live FX rates, CBN compliant.

See JAY in Action

This is what banking
feels like when it listens.

Type or speak — JAY processes, classifies, and issues a branded receipt in seconds. In your language.

J
JAY · JasonPay
Personal Banking Officer · Online
JAY · Personal Banking Officer
Good afternoon, Chioma! Welcome back. I'm ready to assist. What would you like to do today?
Send ₦75,000 to Ngozi at GTBank
JAY
I'll send ₦75,000 to Ngozi (GTBank). Is this Business or Personal for your Finance Act record?
Business
JasonPay
✓ Completed
₦75,000
ToNgozi (GTBank)
ClassBusiness · Tax Deductible
FIRSAudit Ready
Security & Trust

Built on Nigeria's
regulatory rails.

Every transaction is protected by bank-grade encryption, PIN-secured, CBN monitored, and FIRS auditable. JAY never executes outside regulatory bounds — not once, not ever.

🏛️
CBN Licensed & Regulated

JasonPay operates under Central Bank of Nigeria licensing. Every transaction flows through CBN-compliant rails. Real regulatory oversight, not just compliance theatre.

🔐
PIN-Secured Every Time

No transaction executes without your 4-digit PIN. No exceptions. Biometric fallback available where device hardware supports it.

🛡️
256-bit Encryption

All data in transit and at rest is protected with AES-256 bank-grade encryption. Your financial data is never stored in plain text.

🕵️
Fraud Intelligence

Real-time risk scoring on every transaction. Unusual patterns trigger immediate review. JAY monitors, flags, and protects — silently.

📋
KYC & AML Compliance

Full CBN-aligned KYC onboarding. AML checks run on every transaction. Customer identity verified before any account is activated.

🤖
Responsible AI

JAY operates within defined banking boundaries. He cannot offer loans, promise returns, or execute transactions outside CBN-approved services. By design.

CBN Licensed
2026 Finance Act
FIRS Audit Ready
AML Compliant
256-bit Encrypted
PIN Lock · Every Tx
No Loan Products
💬

"Banking should feel like talking to someone who actually knows you. JAY is that person — available for every Nigerian, in every language, at every hour."

— The JasonPay Team · Lagos, Nigeria · 2026

Get Started Today

JAY is ready.
Are you?

Free to use. No monthly fees. JAY starts working for you the moment you say hello.

🌐
Web Preview

Try JasonPay now in your browser. No download. Full JAY experience instantly.

Open Web App →
📱
Mobile App

Native iOS and Android apps — full voice banking, biometric PIN, push notifications.

🍎 App Store · Coming Soon ▶ Google Play · Coming Soon
Native builds launching soon