How do recipients without the app receive their money?

They collect cash from an Energywallet agent. The agent enters the code from their SMS, the recipient confirms with a one-time code sent to their phone, and the agent hands over the cash.

What happens to tokens nobody claims?

Recipients get a reminder by SMS before their token expires. On the expiry date, any unclaimed value returns to your programme's funding account automatically.

Can we change a batch after it's sent?

A batch can be edited or rejected at any point before approval. Once approved and sent, each token stays live until it's redeemed or expires, which keeps every code accountable in your report.

How long do tokens stay valid?

You choose an expiry between 30 and 90 days for each batch.

Pricing is agreed with each organisation and covers SMS delivery, transfers and agent costs. Talk to us for a quote based on your programme.

Token Disbursement — Energywallet for business

Token Disbursement

Fund a programme, send a cash token to every recipient by SMS, and see exactly who redeemed what, where and when.

Talk to us See how it works

Energywallet

Text message

You have received ₦15,000 from Community Relief Programme. Your code: 8KX4-7Q2F. Claim it in the Energywallet app under Top up, or collect cash at any Energywallet agent. Expires 30 Nov.

Tied to this phone number

Made forNGOs and aid programmesGrants and stipendsStaff welfare and bonusesCooperativesRelief and emergency payments

How it works

Money moves forward only when your team approves it, and returns only to your verified bank account.

Onboard and fund

We verify your organisation, set up your programme's funding account and lock your withdrawal account. Then you deposit.

Prepare a batch

Upload your recipient list and set the amount per token and the expiry. We flag duplicate and repeated numbers before anything is sent.

Approve and send

A second approver on your team signs off. Each recipient then gets a unique code by SMS, tied to their phone number.

Track every naira

Watch tokens get redeemed in the app or with agents. Anything unclaimed at expiry returns to you automatically.

For recipients

Every recipient gets a text with their code, the expiry date and how to redeem. Smartphone or feature phone, the money reaches them.

In the Energywallet app

1The recipient signs in with the phone number the SMS was sent to.
2They open Top up and claim the token with their code.
3The value lands in their balance, ready to spend or send.

With an Energywallet agent

1The agent enters the recipient's code, which reserves the token.
2The recipient confirms with a one-time code sent to their phone.
3The agent hands over the cash, and the recipient gets an SMS receipt naming the amount and the agent.

Controls

The service runs separately from everyday Energywallet accounts, with checks at every point where money moves.

Two-person approval

Every batch and withdrawal needs a maker and an approver on your side, plus two sign-offs on ours.

Ring-fenced funds

Programme money sits in its own account, kept apart from everyday wallet balances.

Locked withdrawal account

Funds return only to the bank account verified at onboarding. Changing it needs sign-off from both sides.

Tied to the recipient

Each redemption needs the recipient's phone, through app sign-in or a one-time code at the agent.

Checked recipient lists

Uploads flag duplicate numbers and numbers already used in another batch.

Automatic returns

Unclaimed value returns to your funding account on the expiry date, after a reminder to the recipient.

Masked codes

Your dashboard and exports show codes partly hidden. Only the recipient's SMS carries the full code.

Permanent audit trail

Every action is logged with who did it, what changed and when.

Reporting

Every batch comes with a report of what was issued, delivered, redeemed and returned, with where, when and through which channel. Export it for your records in the format your auditors ask for.

Community Relief Programme

Batch 04 · ₦15,000 per token

Sample report

Issued

1,200

Delivered

1,188

Redeemed

1,032

Returned at expiry

₦2,520,000

Reference	Code	Recipient	Channel	Where	When	Status
TK-04-0117	8K••••2F	0803 ••• 4417	App	Energywallet app	12 Oct, 9:14am	Redeemed
TK-04-0118	Q3••••7A	0706 ••• 2290	Agent	Agent · Kubwa	12 Oct, 11:02am	Redeemed
TK-04-0119	M9••••4C	0813 ••• 6051	—	—	—	Delivered
TK-04-0120	R2••••9D	0902 ••• 1138	Agent	Agent · Nyanya	13 Oct, 2:40pm	Redeemed

Illustrative data. Codes stay partly hidden on every screen and export; only the recipient’s SMS carries the full code.

FAQ

Registered organisations such as NGOs, employers, cooperatives and programme operators. We verify every organisation before access is granted, and agree terms with each one directly.

Plan your programme with us

Tell us who you want to reach and how much you plan to disburse. We'll walk you through the setup and agree terms.

Talk to us

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