kobo

market traders across nigeria sell on credit every day and track it in their heads or in a notebook. names get mixed up, due dates pass, and money quietly disappears. kobo is a bookkeeping agent that lives in whatsapp. a trader sends a text or a pidgin voice note like "mama chidi carry rice 45k, she pay 20k, remain friday". kobo shows a review of the entry, and nothing is saved until the trader replies 1. it shows who owes what, biggest first, reminds on due dates, and drafts polite payment messages the trader forwards themselves. ambiguous amounts are never guessed: "three eight" gets a question, ₦3,800 or ₦38,000.