Crowwe brings everyday messaging, a full Naira wallet, a business workspace and a built-in AI assistant into one lightweight app. Talk to a customer, send the invoice, get paid and keep the books, all inside the same conversation.
Free to download and use. No monthly fee for personal accounts.
People and merchants move between separate apps for conversations, payments, discovery and records. Crowwe brings those journeys into one place, so a conversation can become a transaction without leaving the screen.
Fast, low-data messaging for individuals, groups and communities, with voice and video calls, media sharing, status updates and starred messages.
See communicationFund by bank transfer to your own account number, send to any Crowwe user in seconds, pay by QR, buy airtime and data, and pay bills.
See the walletA verified business profile, invoices and receipts, a cashbook, team seats, a public directory and business-to-business payments.
See business toolsDescribe what happened in plain language. Inna turns it into an invoice, a quote, a proposal, a cashbook entry or a clear answer.
Meet InnaEvery Crowwe account comes with a wallet and its own dedicated bank account number. Money in is a normal bank transfer from any Nigerian bank or fintech app. Money out is a send to another Crowwe user, a bill, or a withdrawal to any bank account.
| Action | Crowwe fee | Notes |
|---|---|---|
| Add money by bank transfer | Free | Provider costs are absorbed by Crowwe. |
| Send to another Crowwe user | ₦2 | Flat, any amount. Instant. |
| Withdraw to a bank account | ₦25 ₦20 on withdrawals under ₦1,000 | Any Nigerian bank. Usually settles in seconds. |
| Airtime and data | ₦10 | All major networks. |
| Electricity and cable TV | ₦50 | Token or receipt delivered in the app. |
| Pay a verified business from the feed or a chat | ₦2 | Same as a send. The business sees the payment in its workspace. |
Fees are shown before you confirm any payment and appear on every receipt. No hidden charges, no monthly account fee.
Most small businesses run on memory, notebooks and scattered chat threads. Crowwe gives any trader, artisan or professional a verified profile, professional documents, clean books and a team, without becoming an accountant first.
A public page with your name, category, location, opening hours and a Pay button. Verification puts a badge beside your name everywhere on Crowwe, including your posts on the feed.
Professional documents generated from a sentence, with your business details filled in and a Crowwe QR code so the customer can pay from the document itself.
Money in, money out and what is left, kept up to date from your wallet activity and from what you tell Inna. A consistent trail that lenders and corporate buyers can read.
Add staff to the workspace with the access they need. Sales can issue invoices and take payments, while money out stays with the owner.
Every verified business is listed in the in-app directory. Customers find you by name or category, follow you, and pay you without typing an account number.
Pay a supplier's verified business directly from your workspace and receive from corporate buyers the same way, with the record on both sides.
Personal accounts are free. Business plans add team seats and a larger monthly allowance for Inna's image and video generation. Billed monthly from the wallet, cancel any time.
Inna's text assistance, documents and cashbook are included on every plan. Prices are in Nigerian Naira.
Bookkeeping, proposal writing and business advice used to be for companies that could afford staff. Inna gives every business owner on Crowwe that support on demand, in plain language, from a phone.
Invoices, quotes, receipts and proposals with your name, contact details and address already in place.
Give Inna messy sales notes and it structures money in, money out and what is remaining. Not certified accounting, but a trail you can stand behind.
Scattered prices, stock and customer details become clean tables you can act on and share.
Summarise a long report, draft a caption or bio, translate a message for a cross-border buyer, plan a trip, or generate an image for a promotion.
Crowwe is built and operated in Nigeria to Nigerian data-protection standards, with the controls users expect from a bank and the privacy they expect from a messenger.
Every send, bill and withdrawal is confirmed with a PIN that is never stored in the clear.
Add a second step to every new sign-in, so a stolen password alone cannot open your account.
Require your PIN whenever Crowwe is opened or resumed, on a shared or borrowed phone.
Businesses and individuals can earn a verified badge through a review process, with BVN-based verification being introduced with our payment partners.
Wallet funding, transfers and withdrawals run on regulated Nigerian payment providers. Crowwe never holds your card details.
Export your data or delete your account from inside the app. A Data Protection Officer answers at dpo@ipi.ng.
Crowwe is for adults and enforces published Child Safety Standards, with a dedicated reporting channel at childsafety@ipi.ng.
Report a message, a post, a business or a person in two taps. Reports are reviewed by people, and repeat abuse is removed.
The web app tells you when a newer version is live, and mobile releases ship through Google Play and the App Store.
Retail traders, boutique owners, artisans, food vendors, local logistics operators and service businesses who need simple payments, receipts, records and less admin.
Engineers, designers, legal advisers, copywriters and consultants who need proposals, statements of work, invoices and research help.
Anyone who needs messaging, calls, media sharing, communities, airtime and bills, and a wallet to send money to family and friends.
Corporate buyers, development programmes and public bodies that need verified suppliers, documented trade and a partner with governance and compliance information ready.
Crowwe is built for the practical realities of African commerce. Distributors, community leaders, developers and institutions with a capability, a network or local expertise help make the ecosystem more useful, trusted and accessible.
Nigeria's real economic engine is not in boardrooms. It is in markets, roadside shops and agricultural co-ops. IPI Group's Adamu Garba makes the case for a homegrown platform that unifies chat, payments, documentation and AI, and turns formalisation from a burden into a by-product of trading.
IPI Group Limited · 27 August 2026 Read the articleAfrica's MSMEs power most jobs and a huge share of GDP, yet stay locked out of formal credit and institutional trust. When business runs through ordinary consumer chat apps, orders and payments scatter and the business stays invisible to banks. Crowwe treats conversation as commercial infrastructure, so a verifiable trade history builds itself.
IPI Group Limited · 2026 Read the articleTraditional accounting software asks traders to become accountants first. Crowwe's approach is to meet traders where they already are, inside a chat, and let Inna turn a plain description of the day into invoices, receipts and books.
IPI Group Limited · 2026 Read the articleA single sale can mean a chat app, a banking app, a calculator and a photo gallery. Every switch costs a slower deal, more data, more storage and cash that is hard to track. The fix is not another app. It is fewer of them.
IPI Group Limited · 2026 Read the articleCrowwe is developed and operated by IPI Group Limited, a Nigerian technology company headquartered in Maitama, Abuja. We build for the African reality: fragmented tools, informal processes, patchy networks and growing digital expectations.
Our mission is to make communication, commerce, payments and intelligence work together for every person and business on the continent, starting with Nigeria. We work with regulated Nigerian payment partners, publish our policies openly, and answer to the Nigeria Data Protection Act through a named Data Protection Officer.
IPI Group Limited
Plot 8 Zambezi Crescent, Maitama
Abuja FCT, Nigeria
info@ipi.ng+234 803 348 6748dpo@ipi.ngchildsafety@ipi.ngWrite to info@ipi.ng with "Partnership" or "Press" in the subject line.
One account works on Android, iPhone and the web. Sign up with a phone number or email, or continue with Google, and your chats, wallet and business follow you to every device.
Messaging built for real networks, not just fast ones.
Crowwe is tuned for the phones and data plans people actually have. Messages send instantly and wait for the network when it drops, media is compressed before it leaves the phone, and a data-saver mode keeps the bill down.