Works with the banks you already use
GTBankZenithAccessUBAFirst BankKudaOPayMoniepointStanbicFCMBGTBankZenithAccessUBAFirst BankKudaOPayMoniepointStanbicFCMB
Your money,finally coached
Lertha reads your full money picture, learns how you actually spend, and coaches you every day. Meet Wendy, the money coach in your pocket.
One number for
your financial health
720
Freedom Score, up 90 this month
Wendynow
Bolt spend is up 32% this week. Cap it at ₦25k?
Yes, do it.
Small leaks sink big goals. Wendy finds the ones nobody tracks.
₦47,300 kept in one week
Category and spend
Response
WhereResult
- Ride-hailing₦18,400 · capped weekly, nudged twiceAcceptedBolt, Lekki₦11,200 kept
- Food delivery₦26,900 · flagged a Friday patternAcceptedChowdeck, Yaba₦9,800 kept
- Subscriptions₦12,300 · found two unused plansAcceptedCard, recurring₦6,500 cancelled
- Airtime and data₦9,100 · moved to a monthly bundleSnoozedMTN, USSD₦2,900 kept
- Bank charges₦4,250 · spotted repeat transfer feesAcceptedGTBank, transfers₦1,900 kept
- Impulse buys₦31,000 · 24-hour cooling-off nudgeSnoozedJumia, online₦15,000 not spent
Illustrative. Drawn from Lertha demo accounts.Updated September 14
Coaching that fits where you are, not where a budget template thinks you should be.
Wendy learns your money personality first, then coaches in a voice that fits it.
Small daily nudges instead of a budget you abandon by week two.
A Freedom Score that shows the next move, not a wall of charts.
See how well your money habits are working for you.
Take the 3 min money checkReal money moves, coached. Every one starts with a pattern Wendy saw.
Ride-hailingSpending pulse
Cutting a ₦40k-a-month Bolt habit without giving up Bolt
Persona:Chidi, Lagos
Wendy noticed the evening rides were the leak, not the commute. A weekly cap and two nudges later, Chidi kept the convenience and ₦40k a month.
Wendy used
Spending pulseWeekly capCooling-off nudge
First salaryMoney Blueprint
A first Money Blueprint built from three months of real spending
Persona:Sade, Abuja
No template budget. Wendy read what actually happened, proposed a split that fit, and adjusted it as Sade's rent and data costs changed.
Wendy used
Money BlueprintPayday planBill radar
Saving for a carGoals autopilot
Hitting a savings goal a month early, at a pace set by cashflow
Persona:Amara, Port Harcourt
Autopilot moved money only in the weeks it was safe to. Wendy paused it once, explained why, and restarted it when the bills cleared.
Wendy used
Goals autopilotFreedom ScoreWeekly review
Illustrative stories built on Lertha demo accounts. Real customer stories replace these at launch.
Coach, track, plan, learn: all in one app.
One place for every account, every bill, and a coach who has read all of it before you ask.
Talk
Wendy answers in plain English, with your numbers
Can I afford Detty December this year?
If you keep November's delivery cap, yes: about ₦120k free by the 20th. Want me to set it aside as it comes in?
Ask Wendy anything…◆
Plan
Your week, before it happens
- Wendy
Mon 08:00
Payday plan
- Wendy
Tue 12:10
Spending pulse: delivery
- Wendy
Thu 18:00
Bill radar: rent in 6 days
- You and Wendy
Sun 10:00
Weekly review
Nudges arrive as notifications. Nothing needs opening to be useful.
Connect
Every account in one picture
Banks we are building for first
- GTBank
- Zenith
- Access
- UBA
- First Bank
- Kuda
- OPay
- Moniepoint
Read-only connections
- Balances and transactions, encrypted
- Never your bank login
- Never moves your money
Bank coverage expands through launch. Join the waitlist to be told when yours is live.
Be one of the first 1,000 Nigerians coached by Wendy
QuestionHow do I cap Bolt spend without missing rides?
3512
Meet the early members
Chidi O.Lagos · early access
NowFreedom Score 720, savings on autopilot
Before₦0 saved most months, evening Bolt habit
Sade A.Abuja · early access
NowFirst Money Blueprint, rent fund on track
BeforeTemplate budget abandoned by week two
Tunde B.Ibadan · early access
NowWeekly review habit, three goals live
BeforeChecked the balance only on payday
Amara N.Port Harcourt · early access
NowCar fund hit a month early
BeforeSavings paused whenever bills spiked
Kemi F.Enugu · early access
NowTwo unused subscriptions gone, data on a bundle
BeforeAirtime top-ups four times a week
Secure by design. Honest by default.
Registered with the Nigeria Data Protection Commission
NDPC
NDPC/DCP/14612
Read-only connections to the banks you already use, including:
- GTBank
- Zenith
- Access
- Kuda
- Read-only access by designNo bank login stored
- Encrypted in transit and at rest120-day erasure guarantee
Lertha in the media
- TechCabal
Meet Wendy: the AI money coach built for how Nigerians actually spend.
- BusinessDay
The psychology of better choices: how coaching apps rewire money habits.
- Stears
Why your bank should talk less like a bank, and what Lertha does instead.
- Techpoint
Behavioural coaching comes to personal finance in Lagos.
- Nairametrics
A Freedom Score, not a budget: the fintech betting on nudges.
- Pulse
Inside the app teaching a generation to keep more of what they earn.
Placeholder outlets and snippets until launch coverage lands.
Our story
2025
Early 2026
Mid 2026
Sep 2026
2027
The prototype
Luma, a personal-finance prototype built to test one idea: people do not need another budget app, they need a coach.
First build
BudgetingTransactions
1coaching moment
Rebuilt as Lerta
A clean rebuild on a real backend: bank connections, a Freedom Score, and the first version of Wendy.
New
Freedom ScoreWendy
3coaching moments
Wendy learns to coach
Behavioural nudges, the Money Blueprint and payday plans, tested on demo households before real ones.
New
NudgesMoney BlueprintPayday plan
6coaching moments
Lertha
A new name and brand, and the waitlist opens ahead of launch on iOS and Android.
New
WaitlistiOSAndroid
6coaching moments
Early access
Access opens in waves, in waitlist order, bank by bank.
Coming
Early access
?your turn
Indicative timeline. Dates and counts are rounded.
Ready to get coached?
Wendy launches on iOS and Android. Early access opens in waves, in waitlist order.
Frequently asked questions
Yes. Lertha uses read-only, encrypted connections and never stores your bank login or moves your money. Lertha Technologies Limited is registered with the Nigeria Data Protection Commission (NDPC/DCP/14612).