One bank account for everything means you never really know your profit. Mystack fixes that — automatically.
Set it once. It runs itself.
Get your account numbers
Verify your BVN and instantly get a real bank account number for your business — and one for each pot.
Get paid like normal
Share your account number, a payment link or a QR code. Customers pay the way they always do.
Watch it auto-split
Every payment is divided across your pots in seconds — and auto-settled to your bank whenever you choose.
Everything your money needs, in one app
Automatic splitting
Set your percentages once. Every naira that comes in is instantly divided across your pots — profit, tax, restock, salaries — with zero effort.
- ✓ A real account number per pot
- ✓ Customisable split, any number of pots
- ✓ Works on every single payment
Auto-settle to your bank
Tell a pot to pay you automatically when it reaches an amount you set. Big payments land instantly; small ones pool first so you never waste on fees.
- ✓ Set a target — it sends itself
- ✓ PIN-protected so funds can’t be redirected
- ✓ You’re alerted on every transfer
Group pots (ajo / contributions)
Pool money toward a shared goal — rent, a wedding, an ajo. Share one link, watch contributions land live, and auto-cash-out when the goal is hit.
- ✓ A public page + shareable link
- ✓ Goal, suggested amount & closing date
- ✓ Live progress and contributor list
Built for how you really run money
Payment links + QR
Send a link or QR to get paid. Money lands, splits and shows up instantly.
Profit & cashflow insights
See what’s truly yours and how money moves, month over month.
Hide-balance mode
Tap once to blur every figure when you’re in public — privacy on demand.
Multiple payout accounts
Add several banks; settle each pot to a different account.
PIN + 2-step security
Withdrawals need your PIN; sign-in needs a password and a one-time code.
Receipts you can share
Every payment becomes a clean, shareable receipt in a tap.
Embed Mystack into your product
A clean REST API to create accounts, define how money splits, and pay out — with test & live keys, scopes, idempotency and webhooks. The same engine that powers the app, in your app.
- ✓ Create managed accounts with real NUBANs
- ✓ Set split rules & trigger payouts
- ✓ Webhooks for
payment.received& more - ✓
msk_test_keys to build safely,msk_live_when ready
curl https://api.mystack.app/v1/accounts \
-H "Authorization: Bearer msk_live_xxx" \
-H "Content-Type: application/json" \
-d '{
"fullName": "Ada Stores",
"bvn": "22212345678",
"pots": [
{ "name": "Profit", "percent": 20 },
{ "name": "Tax", "percent": 10 },
{ "name": "Restock", "percent": 70 }
]
}'Built like a bank should be
Your money stays in licensed banks
Mystack is not a bank and never holds your funds. They sit in real accounts at CBN-licensed banks via Flutterwave.
Bank-grade protection
Encrypted in transit, PIN-protected withdrawals, and a transaction lock that stops brute-force attempts.
Verified & compliant
BVN verification confirms who you are. We never store your raw BVN, and we’re built to NDPR.
Good questions
Is my money safe?
Yes. Your funds are held in real accounts at licensed banks — not by Mystack. We can’t spend your money; we only help organise it.
What does it cost?
It’s free to start. We charge a small fee on withdrawals, always shown before you confirm.
Do I need a BVN?
Yes — your BVN is required to open real bank accounts, and is used only to verify your identity. We never store the raw number.
Is Mystack a bank?
No. Mystack is a layer that automatically splits your money across accounts you already trust.
Can I build on Mystack?
Absolutely — our developer API lets you create accounts, define splits and pay out from your own product. See the Developers section.
Know exactly what’s yours.
Start free in minutes — your money, finally organised.