WhatsApp Financial Operating System

Run your entire store inside WhatsApp.

Log sales with 5-second voice notes, stop employee theft, automatically collect customer debts, and qualify for business loans. Zero app downloads.

Voice & Text Bookkeeping
Staff Accounts & Anti-Theft
Automated Debt Collection
Credit Score (300 to 850)
Bank-Ready PDF Reports

African retail businesses lose money to three things: staff theft, uncollected customer credit, and missing financial records.

Traditional accounting software fails because it expects busy shop owners to sit down and type numbers into spreadsheets. Between serving customers, receiving supplier deliveries, and running the shop floor, that simply never happens.

The Waasz Difference: Waasz gives you a complete operational back office directly inside WhatsApp. It records daily sales, stops employee theft, recovers money your customers owe you, and builds structured financial statements you can present when applying for business financing.

Whether you drop a 5-second voice note in Nigerian Pidgin, snap a photo of a handwritten ledger page, or have your sales attendant record a counter sale, Waasz structures your records in the background with zero accounting jargon and zero stress.


Everything Your Store Needs Inside One WhatsApp Thread

From 5-second Pidgin voice bookkeeping and staff anti-theft controls to automated debt recovery and loan-ready financial profiles.

Quick Recording 01

Voice, Text & Receipt Bookkeeping

Log sales and expenses in seconds using 5-second voice notes, English or Pidgin text, or camera photos of paper receipts, handwritten notebooks, and supplier waybills.

  • Local Trade Units: Understands cartons, bags, crates, rolls, dozens, packs, and pieces.
  • Payment Splitting: Automatically separates Cash, Bank Transfer, POS, and Credit sales.
  • Easy Corrections: Fix any entry by texting (for example, "Change last fuel expense to ₦4,000").
  • Multi-Currency Support: Record transactions in NGN, USD, GBP, or EUR.
Zero Typing Required

Structures informal chats and voice notes into clean double-entry records automatically.

Cash Recovery 02

Automated Debt Collection & Digital IOUs

Stop losing working capital to uncollected customer credit. Waasz turns every credit sale into a tracked digital IOU and follows up automatically on WhatsApp.

  • Timestamped Digital IOUs: Records the buyer's phone number, items taken, amount owed, and agreed due date.
  • Polite WhatsApp Reminders: Sends scheduled payment reminders with your direct bank details (Moniepoint, OPay, Zenith, Access, and more).
  • Part-Payment Tracking: Logs partial repayments and updates remaining customer balances instantly.
Key Capability

Recovers money owed on time without awkward phone calls or arguments with loyal customers.

Staff Protection 03

Staff Accounts & Anti-Theft Controls

Built for real shop floor delegation. Link your shop attendants ("sales boys and girls") to your store through restricted WhatsApp sub-accounts.

  • Role-Based Privacy: Attendants can log daily counter sales and issue customer receipts from their own phones.
  • Hidden Cost Prices: Staff cannot view your wholesale purchase costs, store profit margins, or total cash balances.
  • Tamper-Proof Audit Log: Every sale is tagged with the exact attendant who recorded it and cannot be secretly deleted.
Key Capability

Protects your trade secrets and stops price manipulation even when you are away from the shop.

Inventory & Margins 04

Live Stock, Expiry & Margin Tracking

Know exactly what is on your shelves, which products bring the highest profit, and what needs restocking before customers ask.

  • Auto Stock Deduction: Deducts sold quantities automatically and updates unit costs when you snap supplier waybills.
  • Low-Stock & Expiry Alerts: Warns you before fast-moving items run out or perishable goods expire.
  • True Gross Profit: Calculates real profit per item after deducting cost of goods sold and highlights best-selling vs slow-moving stock.
Key Capability

Stops dead stock from tying up your cash and prevents surprise stockouts on your best sellers.

Credit Readiness 05

Credit Scoring on WhatsApp (300 to 850)

Transform your daily market trade into an objective, verifiable creditworthiness score between 300 and 850 just by running your store on WhatsApp.

  • Daily Activity Tracking: Evaluates your transaction consistency, sales turnover, and expense discipline over time.
  • Margin & Repayment Signals: Factors in your gross profit stability and how reliably credit customers pay you back.
  • Live Score Updates: Check your current score and actionable tips to improve your rating at any time in chat.
Key Capability

Turns informal cash and transfer trade into a measurable financial track record.

Verified Statements 06

Loan-Ready Financial Statements

Banks and lenders turn down good businesses when financial records are missing or stuck in paper notebooks. Waasz prepares your formal records automatically.

  • 2-Page Financial Health Profile: Generate a clean, stamped PDF statement with a single WhatsApp command.
  • Complete Cash Flow Proof: Summarizes monthly revenue, cost of goods sold, operating expenses, net profit, and inventory value.
  • Audit-Ready Structure: Formatted clearly so you can present credible records when applying for loans, supplier credit, or SME grants.
Key Capability

Gives you organized proof of business turnover whenever financing opportunities arise.

Receipts & Reports 07

Instant Customer Receipts & Business Analytics

Look professional to every buyer and receive automated closing reports without touching a calculator at the end of the day.

  • Branded WhatsApp Receipts: Generate clean PDF or image receipts with your store name, phone number, and bank details to forward to buyers.
  • 9:00 PM Daily Closing Brief: Automatic evening summary of total sales, cash vs transfer breakdown, expenses, and net profit.
  • Weekly & Monthly Reviews: Sunday evening performance digests and full monthly profit-and-loss breakdowns.
Key Capability

Replaces hours of night-time paper balancing with an automatic evening report on your phone.

Cloud & Utilities 08

Cloud Spreadsheets, Reminders & Market Rates

Your business records are backed up to the cloud automatically, complete with daily operational tools built right into your chat thread.

  • Google Drive & Excel Sync: Type "connect drive" to automatically archive clean spreadsheets and monthly PDFs to your personal Google Drive.
  • Custom Task Reminders: Set natural alarms by texting (for example, "Remind me tomorrow at 9am to pay the flour distributor").
  • Live FX & Tax Estimates: Check live USD, GBP, and EUR exchange rates and simple tax calculation tips inside WhatsApp.
Key Capability

Keeps your books safe in the cloud even if your phone is lost, damaged, or replaced.


Frequently Asked Questions

Everything you need to know about running Waasz AI in your store, managing staff accounts, and preparing your financial records for growth.

How does Waasz AI prevent my shop attendants ("sales boys/girls") from stealing or seeing my profits?
Waasz AI features built-in Staff Role Permissions. You can link your sales attendants' WhatsApp numbers to your store with restricted staff access. They can log daily customer sales and issue digital receipts, but they have zero visibility into your wholesale cost prices, profit margins, or overall store cash balances.
How does Waasz AI recover overdue customer debts?
Whenever you make a credit sale, Waasz AI generates a digital IOU with the customer's phone number, agreed payment date, and items purchased. When the due date arrives, Waasz automatically sends polite WhatsApp reminder messages directly to the debtor with your verified bank account details, eliminating awkward manual confrontations.
Can I speak to Waasz AI in Nigerian Pidgin or send voice notes?
Yes. Waasz AI understands local African trading dialects and measurement units. You can send a 5-second voice note in Nigerian Pidgin or English (for example, "I sell 3 cartons of Indomie for 24,000 cash and 1 bag of rice on credit to Mama Ngozi"), and the system parses every item, unit, amount, and payment status accurately.
How does Waasz AI help small businesses prepare for loans?
Most retail merchants get rejected for financing simply because they cannot prove their daily cash flow. Waasz AI turns your informal WhatsApp sales and expense chats into structured financial statements and a 300 to 850 credit score. Whenever you want to apply for a bank loan, microfinance credit, or SME grant, you can download your 2-page Financial Health Profile PDF as clear proof of your business turnover.
Do I need to download a mobile app from Google Play Store or Apple App Store?
No. Waasz AI operates 100% inside WhatsApp. There are zero apps to download, zero passwords to remember, and zero phone storage consumed. If you know how to send a WhatsApp chat, you already know how to use Waasz AI.
What happens if my phone gets lost or stolen?
All your financial records, customer debt ledgers, and credit scores are encrypted and backed up securely in the cloud and can be synced to your personal Google Drive. As soon as you retrieve your phone number or log in on a new device, your entire business history is immediately accessible.

Three simple steps. Talk to Waasz just like a human assistant.

1

Log sales, expenses, or restocks in plain language

Send a 5-second voice note in English or Pidgin, type a quick message, or snap a photo of your paper sales notebook or supplier invoice.

"Sold 4 cartons of Malt for ₦38,000 transfer" "Chinedu bought goods worth ₦120k, paid ₦70k cash, balance ₦50k"
2

Track stock and automate customer debt follow-ups

Ask Waasz what is left in your store, issue branded receipts to buyers, or schedule polite WhatsApp payment reminders for credit customers.

"Remind Chinedu about his ₦50k balance on Friday" "How many bags of rice are left in the store?"
3

Check real profits and download loan-ready reports

Receive automatic 9:00 PM closing summaries every evening and generate your 2-page Financial Health Profile PDF whenever you need to prove your turnover.

"How much profit did we make this week?" "Generate my 2-page Financial Health Profile PDF"

Built for high-volume retail and growing businesses.

Whether you sell in cartons at a wholesale market, run a neighborhood pharmacy, or manage multiple boutique branches, Waasz adapts to how you trade.

Wholesale & FMCG Distributors

Track high-volume sales in cartons, bags, and crates, manage retailer credit accounts, split cash and transfer payments, and snap supplier waybills.

Top Feature: Automated Debt Collection →

Supermarkets & Provision Stores

Let cashiers and shop attendants log fast-moving daily counter sales from their own phones while keeping your wholesale cost prices and total profit private.

Top Feature: Staff Anti-Theft Mode →

Fashion Boutiques & Online Vendors

Issue instant branded WhatsApp receipts to buyers, track stock across sizes and pieces, and see your true net profit after dispatch delivery fees.

Top Feature: Branded WhatsApp Receipts →

Pharmacies & Cosmetics Stores

Monitor pack and unit quantities, receive early alerts before sensitive products expire or run out, and snap distributor invoices to update stock automatically.

Top Feature: Expiry & Restock Alerts →

Building Materials, Hardware & Electronics

Manage high-value inventory, track customer deposits and installment balances with digital IOUs, and maintain tamper-proof audit records across attendants.

Top Feature: Digital IOU Tracking →

Growing SMEs Preparing for Financing

Replace paper notebooks with structured financial statements and a live 300 to 850 credit score so your business is always ready when capital opportunities arise.

Top Feature: 2-Page Financial Profile →

Testing Cohort Application

Currently in Private Beta

Waasz is currently in an early private testing phase with a select group of active business owners and retail merchants in Nigeria. We are taking on a limited number of test stores to refine voice parsing, staff role permissions, and loan-ready financial records.

Apply to Join Testing Cohort (Google Form)

Deploy your store's operating system today.

Tap below to open a conversation directly with Waasz AI on WhatsApp (+234 904 476 5496) and start running an effortless, protected retail operation.

Chat with Waasz on WhatsApp