Your Money & Data, Protected
Security sits at the centre of everything we build. From the moment you sign up, your money and your personal information are guarded by layered protection: bank-grade encryption, a transaction PIN and OTP on every payment, real-time fraud monitoring, and instant alerts on every move.
Layers of Protection on Every Account
No single safeguard keeps money safe on its own. We combine several, so that even if one is tested, others stand guard over your wallet and your data.
Bank-Grade Encryption
Your data is encrypted in transit and at rest, so sensitive details stay unreadable to anyone who is not meant to see them.
Transaction PIN
Every payment, transfer, and withdrawal must be authorised with your private transaction PIN. No PIN, no money moves.
OTP Confirmation
Sensitive actions are confirmed with a one-time password sent to you, so only you can complete them.
Real-Time Fraud Monitoring
Our systems watch transactions as they happen and flag anything that looks unusual, helping stop fraud before it costs you.
Instant Transaction Alerts
You get a real-time alert for every credit and debit, so you always know what is happening on your account.
Secure Virtual Accounts
Your personal virtual account number is issued and managed securely, so you can receive money with confidence.
NDPR-Aligned Data Protection
We handle your personal data in line with Nigeria Data Protection Regulation principles, collecting only what we need and protecting what we hold.
Secure Login & Lockout
Protected sign-in and automatic account lockout after repeated failed attempts help keep intruders out of your account.
PIN verifiedOK
One-time codeOK
Fraud monitoringBlocked
Protection That Works Quietly in the Background
Good security should not get in your way. Most of our protection runs automatically: encryption secures your data, fraud monitoring watches every transaction, and alerts keep you informed. When it really matters, before money leaves your wallet, we ask for your PIN and a one-time OTP.
Stay Safe: We Will Never Ask for Your PIN or OTP
NAJ Capital staff will never ask you for your transaction PIN, your password, or a one-time OTP, by call, message, or in person. Keep these secret, never share them with anyone, and if a transaction looks wrong, contact us immediately so we can help protect your account.
Your Money, Safe and Always Yours
Open a free account and experience a wallet that puts your security first, every save, every send, every payment.