# PiggyVest

**Canonical:** https://apis.io/providers/piggyvest/  
**Website:** https://www.piggyvest.com  
**APIs profiled:** 1

PiggyVest is a Lagos-based Nigerian fintech (operated by Piggytech Global Limited, RC 1405222) running the country's largest online savings and investment platform, with 6M+ registered users as of 2026. Founded in January 2016 by Somto Ifezue, Odunayo Eweniyi, and Joshua Chibueze as Piggybank.ng and rebranded to PiggyVest in April 2019, the company digitizes the traditional Nigerian "kolo" piggy-bank, layering automated savings, fixed-term safe-locks, naira and dollar wallets, and curated investments on top of licensed banking partners (originally United Bank for Africa) and a PCI-DSS-compliant payment stack. The consumer product family includes Piggybank (automated daily/weekly/monthly savings), SafeLock (fixed-tenor savings with up-front interest), Target Savings (goal-based saving, solo or group), Flex Naira (flexible wallet with free transfers), Flex Dollar / SafeLock Dollar (USD savings), HouseMoney (rent wallet), Investify (curated investment opportunities), GetIT (lifestyle purchase plans), Piggy Points (rewards), and an Accountability Partner feature, all delivered through iOS, Android, and web apps published by Piggytech Global. On the developer side, PiggyVest operates a separate B2B brand — PiggyVest Business — at piggyvest.business and exposes the PiggyVest Business API at api.piggyvest.business, documented at www.piggyvestbusiness.com/docs. The Business API is a Bearer-token authenticated REST API (secret key in Authorization header) covering customer creation and retrieval, customer wallets (create / retrieve / list, accrued-interest tracking, reserved account numbers, funding accounts), wallet-to-wallet and bank transfers (with name inquiry and bank lookup), transactions (status, history, T+1 settlement), scheduled payments (create / cancel / reactivate), webhooks for real-time event notifications, and a "Pay with Pocket" SDK / hosted-checkout integration that lets merchants accept payments funded from a Piggyvest user's Pocket balance. Default rate limits are approximately 100 requests per minute. No public OpenAPI specification, official SDK packages, or open-source client libraries are currently published; access is gated by signing up for a PiggyVest Business dashboard account. Alongside the API, PiggyVest Business offers Invoicing, Customizable Accounts, Business Safelock, Investify for Business, and business savings earning up to 18% per annum. Public engineering presence is limited — the Piggytech Global GitHub org (github.com/PiggyTech) hosts a small set of community wrappers (react-paystack, Smile Identity Node.js and React Native wrappers) and the consumer brand maintains a static piggyvest.github.io site, but there is no developer org publishing official Piggyvest Business SDKs.

## Kin Score — 14.6 / 100 (emerging)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 14.6).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 5.3 |
| Developer Ergonomics | 23.8 |
| Commercial Clarity | 17.1 |
| Access Clarity | 17.1 |

Regulatory layer — **Payments**: 25.0 (matched via tags).

## Agent readiness — 8.5 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | yes |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Unknown — onboarding: unknown, pricing: unknown, trial: no (confidence: low).

## APIs (1)

- **PiggyVest Business API** — The PiggyVest Business API is a Bearer-token-authenticated REST API hosted at api.piggyvest.business that lets Nigerian businesses programmatically create and manage customers, ...

## Security (1)

- **Piggyvest Domain Security** — TLSv1.3 · DNSSEC · DMARC

## Tags

Fintech, Savings, Investments, Digital Wallet, Micro Savings, Goal Based Savings, Fixed Deposit, Dollar Savings, Consumer Finance, Personal Finance, Mobile Banking, Business Banking, Wallet API, Transfers, Bank Transfers, Scheduled Payments, Webhook, Hosted Checkout, Pay With Pocket, Invoicing, Reserved Accounts, Africa, Nigeria, Lagos

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/piggyvest/). Scores are computed from the provider's own public artifacts under a published rubric.