Behavioural coaching
Wendy reads your full money picture, learns how you actually spend, and coaches you in small daily moments rather than one guilt-trip a month.
Meet Lertha
The money coach Nigeria has been missing.
We are building the behavioural layer for personal finance in Africa: the part that notices what you actually do with money, explains it without judgement, and helps you change it.
As of September 2026, Lertha is pre-launch. Here is exactly what that means.
₦0
of your money we hold, move or invest. Ever.
NDPC
registered data controller, NDPC/DCP/14612
3
ways in at launch: iPhone, Android and the web
- Read-only bank access
- Consent first
- No data selling
- Built in Lagos
- Licensed partners only
The waitlist is open and the app is in private testing. We would rather say that plainly than dress a launch date up as a number.
What Lertha is
A financial intelligence and accountability layer between you and your money.
Lertha sits beside the banks and products you already use. It reads what is happening, tells you what it means, and helps you build the habits that change the number at the end of the month.
Accountability you agreed to
Goals you commit to, caps you set yourself, and nudges that arrive before the money leaves, not after the statement lands.
Guidance, never custody
When you need a savings, insurance or credit product, Lertha points you at licensed, regulated providers. The money goes to them, never through us.
What Lertha is not
Plenty of things have taken Nigerians’ money. We are not one of them.
Lertha is regulated where it needs to be and deliberately powerless where it does not. The clearest way to say that is to list what we are not.
- Not a bank
- Not a wallet
- Not a money transfer app
- Not a payment processor
- Not a lender
- Not an investment manager
- Not a savings cooperative
- Not a crypto platform
- We never hold your money.
- We never process deposits or withdrawals.
- We never move money on your behalf.
- We never promise a return.
Mission
Written down early, because it is the thing every later decision gets measured against.
To help Africans build healthier financial habits and make smarter financial decisions, through behavioural intelligence, accountability and guidance they can trust.
Vision
To become Africa’s most trusted behavioural finance platform: where good financial behaviour becomes measurable credibility, and that credibility opens doors that a salary slip never could.
The people we are building for: salaried, self-employed, supporting family, and making hundreds of small money decisions a month with no one in their corner.
The long game, in four moves.
Coaching is the wedge, not the destination. Each phase only earns the next one by working.
01Building now
Financial awareness
Help people understand their own financial behaviour.
Spending intelligence, diagnostics, the Freedom Score, daily coaching, plain-English literacy.
How we would know: You consistently know where your money went, without opening a spreadsheet.
02
Financial discipline
Turn understanding into habits that hold.
Goal accountability, emergency funds, savings commitments, automated nudges before the spend.
How we would know: Savings become consistent and impulse spending falls.
03
A wellness ecosystem
Connect people to the right financial product at the right moment.
Matching into licensed savings, insurance and credit partners, with the reasoning shown.
How we would know: People end up in better products because of guidance, not advertising.
04
Financial reputation
Make good behaviour count for something.
Behavioural scoring, savings consistency, reliability patterns: a portable financial identity.
How we would know: Discipline improves access to credit, cover and opportunity.
Phases two to four are intent, not a release schedule. Dates go in the app, never on a marketing page.
The company behind it
- Registered name
- Lertha Technologies Limited
- Data protection
- NDPC/DCP/14612, issued 17 September 2026
- Status
- Registered with the Nigeria Data Protection Commission as a data controller/processor of major importance, pursuant to Section 44 of the Nigeria Data Protection Act 2023.
- Contact
- Through the chat on this site. We publish no support address: harvested addresses come back as impersonation, and people lose money to the reply.
Where our incentives sit
Coaching is free during early access. Lertha earns from the licensed providers it introduces you to, never from your data: we do not sell it, and we will not.
Two rules come with that, and we hold ourselves to both. A partner fee never decides what Wendy recommends, and when something is a partner product, you will be told so on the screen where you choose it.