Every Sale Already
Has a Job.
Automatically split every payment into rent, salaries, inventory, tax, profit, and savings — before you spend it.
No credit card · No setup fee · Free to use
Free to use · No subscription fee
Built for Nigerian SMEs · No bank account switching required
Trusted by leading financial partners and 50+ growing SMEs across Nigeria
How it works
Three steps to financial clarity
Set up once. Let CashOS run in the background while you focus on selling.
Set your allocation rules
Tell CashOS how much of each sale goes to rent, salaries, inventory, taxes, and profit.
Share your CashOS account number
Get a dedicated Nigerian bank account. Customers pay you there like any transfer — and every naira is split the instant it lands.
Know exactly what to spend
Your dashboard shows your true spendable balance — not just your account balance.
Why CashOS
Built for how real businesses work
Most accounting tools tell you what happened. CashOS tells you what to do next.
Instant Allocation
Every payment is split into virtual wallets the moment it arrives — before you can spend it.
Protected Funds
Rent, salaries, and taxes are ring-fenced automatically so you never miss an obligation.
Profit Vault
A percentage of every sale goes into your locked Profit Vault — wealth you can actually see.
Business Health Score
A 0-100 score tells you exactly how financially healthy your business is right now.
Scenario Simulator
See what happens if sales drop 30% or you hire a new employee — before it happens.
Tax-Ready Always
VAT, PAYE, and levies are reserved from every sale. Tax season is never a surprise.
The product
Everything you need, right on your phone
Enter your sales. Watch every naira find its place — automatically, before you even blink.
Dashboard · Transactions — available on iOS & Android
Stop guessing what you can spend.
Start knowing.
Join Nigerian business owners who use CashOS to protect their rent, salaries, and taxes — automatically, with every payment.
Start Using CashOS FreeTakes 60 seconds · No credit card · Free to use