MOBOT AI Documentation

MOBOT AI is a Ghana-based WhatsApp Fintech platform designed to bring secure, seamless, and humanized financial experiences directly into users' chats. Powered by MOBOT Custom AI Model (trained on 67,687+ Ghana financial conversations), LLMs and Firebase, MOBOT transforms WhatsApp into a bank-grade intelligent assistant that understands Ghanaian local languages — including Akan, Ewe, Ga, and French — while providing users with personalized, smart financial interactions.

Through natural conversation, MOBOT enables users to:

• Send and receive money in seconds
• Pay bills, buy airtime/data
• Schedule or track transactions
• Withdraw cashless from ATMs
• Receive statements and manage accounts securely

MOBOT isn't a bank — it partners with registered financial providers like Paystack, ExpressPay, Hubtel, and MTN to deliver all financial services through verified, regulated APIs.

To make financial access in Ghana as simple as chatting, enabling users to manage, transfer, and grow their money without leaving WhatsApp — in their own language, tone, and comfort.

To bridge the gap between technology and trust by offering a secure, user-friendly AI fintech assistant that empowers everyday Ghanaians to transact, save, and learn financial habits naturally through conversation.

MOBOT primarily serves:

• Ghanaian individuals and small businesses seeking easy mobile transactions
• Rural and semi-urban users who prefer WhatsApp over traditional apps
• Digital-first youth and professionals looking for modern, fast, and transparent financial tools
• Multilingual users, through MOBOT's ability to understand local dialects

MOBOT AI functions entirely within WhatsApp, using 360Dialog as the official WhatsApp Business API channel.

When users message "Hi MOBOT" or "Hello," the assistant:

1. Welcomes them warmly with friendly emojis
2. Starts onboarding within seconds
3. Verifies identity via Full name, Telephone number, Ghana Card and PIN
4. Creates a virtual account number for financial transactions
5. Enables real-time services such as payments, transfers, and reports

Every interaction is powered by AI-driven habit learning, allowing MOBOT to understand each user's preferences, language, and transaction style over time — turning fintech into a daily, chat-based lifestyle experience.

To make financial access in Ghana as simple as chatting, enabling users to manage, transfer, and grow their money without leaving WhatsApp — in their own language, tone, and comfort.

To bridge the gap between technology and trust by offering a secure, user-friendly AI fintech assistant that empowers everyday Ghanaians to transact, save, and learn financial habits naturally through conversation.

MOBOT primarily serves:

• Ghanaian individuals and small businesses seeking easy mobile transactions
• Rural and semi-urban users who prefer WhatsApp over traditional apps
• Digital-first youth and professionals looking for modern, fast, and transparent financial tools
• Multilingual users, through MOBOT's ability to understand local dialects

MOBOT AI functions entirely within WhatsApp, using 360Dialog as the official WhatsApp Business API channel.

When users message "Hi MOBOT" or "Hello," the assistant:

1. Welcomes them warmly with friendly emojis
2. Starts onboarding within seconds
3. Verifies identity via Full name, Telephone number, Ghana Card and PIN
4. Creates a virtual account number for financial transactions
5. Enables real-time services such as payments, transfers, and reports

Every interaction is powered by AI-driven habit learning, allowing MOBOT to understand each user's preferences, language, and transaction style over time — turning fintech into a daily, chat-based lifestyle experience.

The MOBOT ecosystem is built on a secure, cloud-native, and AI-powered architecture, combining the strengths of Firebase, Google Cloud, Cloudflare, and licensed Ghanaian fintech APIs.

At its intelligence core, MOBOT is powered by our custom-trained AI model, built specifically for Ghana's financial ecosystem. This proprietary model, trained on 67,687+ Ghana financial conversations, drives MOBOT's reasoning, personalization, and natural understanding of Ghanaian languages, with specialized support for 5 local languages and 187 Ghana-specific financial tokens.

This structure ensures:

• Bank-grade security and encryption
• 99.9% uptime and performance
• Contextual and human-like conversations
• Instant synchronization between users, the backend, and admin systems
• Scalable AI services that evolve with user behavior

Cloudflare serves as MOBOT's security shield and content delivery network (CDN).

Responsibilities:

• DDoS and intrusion protection
• SSL/TLS encryption
• Bot and spam filtering
• Speed optimization across global access points

The MOBOT User Flow is designed to be simple, human, and fast — allowing anyone in Ghana to start using MOBOT directly from WhatsApp in just a few minutes.

MOBOT blends a friendly chat experience with a professional onboarding process powered by AI and Firebase verification.

• 5 incorrect PIN attempts → temporary 30-minute freeze
• Continued wrong attempts → 1-hour freeze
• MOBOT reminds the user how many tries are left
• Users can say "Forgot PIN" to trigger reset verification
• PIN reset requires identity verification using security questions

MOBOT applies a progressive KYC (Know Your Customer) and tiered verification system designed to ensure trust, compliance, and financial security. Each user tier determines the required verification level and corresponding transaction limits.

The system automatically upgrades users as they grow — ensuring frictionless onboarding and robust compliance for high-value users.

1. Every user begins at MOBOT Go (Tier 1) after completing basic KYC
2. MOBOT automatically monitors both daily and monthly transaction limits
3. When a user reaches the maximum limits, a system notification prompts them to upgrade
4. Required verification documents are submitted securely and verified via Dojah APIs
5. Once verification is approved, the user's tier and transaction limits are upgraded automatically

Security is at the core of MOBOT's architecture. Every user action, from sign-in to transactions, is authenticated and verified through multiple layers — combining PIN-based control, device trust logic, and AI-driven anomaly detection.

Authentication Layers:

MOBOT integrates a multi-layered Anti–Money Laundering (AML) and Risk Monitoring System designed to ensure compliance, detect suspicious activity, and protect both users and the platform from fraudulent or illegal financial behavior.

AML Risk Layers:

MOBOT prioritizes data protection, privacy, and compliance at every system level. All user data is handled in accordance with the Ghana Data Protection Act (Act 843), Bank of Ghana E-Money Guidelines, and GDPR.

Data Protection Principles:

• Lawful & Fair Use: Data collected only for verified financial, security, or compliance purposes
• Transparency: Users always informed about what data is being collected and why
• Purpose Limitation: Data never used for unrelated or external purposes
• Data Minimization: Only necessary information collected
• Accuracy: Users can request updates or corrections at any time
• Storage Limitation: Non-critical data automatically deleted after operational purpose
• Integrity & Confidentiality: Encryption, access controls, and AI monitoring ensure security

MOBOT connects to a multi-provider ecosystem to deliver a unified fintech experience.

Transparent Fee Principle

MOBOT operates on a "Provider + Platform" model. Each user-visible fee always combines:

1. Provider Fee → paid to Paystack, Hubtel, MTN, or ExpressPay
2. MOBOT Platform Fee → our operational margin that covers infrastructure, security, and support

💬 "What you see = what you pay."

Every transaction message displays both components clearly before confirmation.

Dynamic Fee Structure

Free Monthly Quota & Rewards

To attract users without hurting profitability, MOBOT introduces a limited free-use system:

Free quota resets automatically on the 1st of each month.

Product Growth Flywheel