You can't budget what your bank app won't tell you.
Kobolytics reads your bank transactions — including the POS narrations no app reads cleanly — and turns them into a clear picture of where your salary actually goes each month.
Read-only access via Mono. We never see your bank password, we don't move your money, and we never sell your data.
You can't budget what your bank app won't tell you.
Kobolytics reads your bank transactions — including the POS narrations no app reads cleanly — and turns them into a clear picture of where your salary actually goes.
Read-only access via Mono. We never see your bank password.
The narrations your bank app gave up on. We read them anyway.
Most apps stop at the merchant name. Kobolytics parses the full narration — the bank, the rail, the merchant, the city — and turns it into a transaction you can actually understand.
Connect your bank via Mono
Read-only access. We never see your password, and we cannot move money. Linking takes about a minute.
We read 180 days of history
Including the POS narrations most apps render as gibberish. Kobolytics parses them — bank name, location, intent — and labels each one.
We categorise every transaction
Transfers, eating out, transport, family, fuel, utilities. Correct one and the engine learns the pattern across future months.
You read the picture
Where your salary went. What was unusual. What’s recurring. Weekly summaries that lead with the fact, not the alarm.
POS/0X9821/SHOPRITE LEKKI 1 LA/29-04-26
Shoprite Lekki · POS card purchase · Groceries · 29 Apr
Connecting your bank, in plain language.
This is the trust moment. Here is exactly what Kobolytics can and cannot do — line by line.
- Transaction history — last 180 days
- Account name and account number
- Balances on the linked account
- Your bank password or PIN
- The ability to send transfers
- Your contacts, SMS, or location
We never see your bank password.
Authentication happens inside Mono. Data is encrypted with AES-256 in transit and at rest. NDPR-compliant. Download or delete your data any time from settings.
Free while we are in beta. Honest later.
Kobolytics is funded by optional subscriptions, never by your transactions. You will always know what you pay and why.
Everything in Kobolytics, free for everyone on the waitlist. We will give you 60 days’ notice before this changes.
- —One bank account
- —180 days of history
- —Automatic categorisation
- —Budgets and weekly summaries
- —Email support
For people running a household or a small side business. Multiple accounts, longer history, and faster support.
- —Up to five bank accounts
- —Two years of history
- —CSV / Excel / PDF import
- —Recurring detection
- —Priority support
Questions, answered plainly.
If your question isn't here, email founder@kobolytics.com.
Access Bank, GTBank, Zenith, UBA, First Bank, Fidelity, Stanbic IBTC, Sterling, Wema, Union, Polaris, Ecobank, Keystone, Heritage, and Standard Chartered — through Mono. If your bank is not on the list yet, you can import CSV, Excel, or scanned PDF statements instead.
No. The Mono integration is strictly read-only. Kobolytics cannot send transfers, change account details, or contact anyone on your behalf. This is a Mono-side guarantee, not just our policy.
That is the whole point of Kobolytics. We parse the full narration — bank, rail, merchant, city, intent — and turn it into something readable. A line that says NIP/BOLT NIGERIA/RIDE-LEKKI becomes "Bolt · ride · Lekki" with a transport category attached.
On encrypted servers, AES-256 in transit and at rest. NDPR-compliant. You can download everything and delete your account from settings at any time — no email required.
We are letting people in gradually so we can get every onboarding right. Most people get their slot within two weeks. If we owe you a longer wait, we will tell you up front.
No. Kobolytics is funded by optional subscriptions, not your transactions. You will never see an ad in the product, and we do not share data with third parties beyond the bank infrastructure required to read your statements.