Personal Finance & Beyond
Meet BUTLA.
Your personal AI agent for your lifestyle. Personal finance, premium shopping, exclusive media, and elite physical and virtual events, all in one super-app for those who expect more.
One personal account, more ways to live
Money, media and more life.
Start with everyday finance, then unlock entertainment, wellness and personal service as your needs grow.
Starter · everyday finance
Your money, all in one place.
Your personal wallet
All connectedNaira account
Multi-currency
Stocks & crypto
Free transfers
A tier for every kind of life
Begin simply. Go further.
Choose the level of access that feels right for you.
Group payments · QR code payments · Budgeting
per month · TV, events & wellness
per month · concierge & premium access
Watch. Go out. Be there.
Premium Xclusiv TV and exclusive events, together in your membership.
Wellness, your way
Make more room for feeling good.
Access varies by account tier.
Elite privileges
The details that make every day feel first-class.
From selected shopping deliveries to travel and personal assistance, Elite brings premium lifestyle services closer.
Super agent that actually works for you
Everything you need. BUTLA handles it.
An AI agent-based lifestyle app for Nigerian premium customers. No legacy limitations, no hidden fees, no friction. Only added-value services.
Your life, your lifestyle
Live the life you desire.
Shopping, travel, wellness, media and elite events, curated around you.
The social fintech for the bold
It is not just a money app.
Whether you're seeking inspiration, discovery or indulgence, XCLUSIV is your digital gateway to a world without boundaries. Welcome to the pinnacle of good living.
XCLUSIV blurs the line between your money and your lifestyle.
Account tier
Pick your tier.
Start free. Upgrade as your ambitions grow. Every tier includes the core Xclusiv fintech experience.
Starter
Coming soonFree
No fee
- NGN account
- Multi-currency wallet
- Crypto & FX trading
- Stocks & commodities access
- Free Xclusiv to Xclusiv transfers
- Bill payment, data & airtime
- Budgeting & insights
- Group Payments
- Xclusiv Tv (Standard)
- Basic savings
- Tax calculation
Signature
₦210,000
per year · billed yearly
- Everything in Starter
- Xclusiv TV (Premium)
- Xclusiv events
- Gym Access (Standard)
- Multi-clinic access (standard)
- Priority customer support
Elite
Coming soon₦2,520,000
per year · billed yearly
- Everything in Signature
- Up to 5% cashback on spend
- Dedicated relationship manager
- Free delivery on selected shopping
- AI concierge & lifestyle services
- Multi-clinic access (worldwide)
- 24/7 priority concierge
- Airport lounge access
- Annual wellness check-up
- Multi-Gym Access (Premium)
- Car wash & lounge access
Open your account in less than 5 minutes
No paperwork. No branch visit.
Your premium Nigerian fintech account, activated from your phone.
Enjoy a variety of rewards
Earn points for every purchase. Unlock goodies.
Premium Product Giveaways
Own the finest without spending a dime.
Use your points to claim designer fashion, high-end gadgets and premium lifestyle products from our curated brands.
Exclusive Service Upgrades
Indulge in first-class experiences.
Free premium services including personal styling sessions, luxury spa treatments or private concierge assistance.
Dream Getaways & Retreats
Escape to paradise.
Turn points into complimentary stays at 5-star resorts, private villa getaways or luxury wellness retreats.
VIP Events & Activities Access
Experience the unreachable.
Redeem points for an exclusive METAL CARD that unlocks invitations to high-profile events, private parties and luxury galas.
Your personal AI concierge
Step into the money world where exclusivity meets intelligence.
XCLUSIV anticipates your desires and elevates every moment of your lifestyle, from fashion and entertainment to extraordinary travel and VIP events.
Users' stories
Built for people like you.
“I moved from three different banking apps to just using Xclusiv. The crypto wallet saved me the stress of using multiple apps to invest in crypto. Everything works.”
Adeaza G.
Creative Director, Lagos
“The personal AI adviser caught that I was spending ₦240,000 a month on food delivery I barely noticed. That single insight made me rethink my budget. This is a financial app that actually thinks.”
Emeka K.
Tech Professional, Abuja
“Getting the black card was the moment I realised I'd outgrown regular banking apps. Lounge access, the concierge service… this is the lifestyle product Nigerian professionals deserve.”
Ayman Mohd.
Investment Banker, Lagos
Live Shopping
See it live. Make it yours.
Tune into live shows, discover products up close and shop limited-time offers as they happen — all in one place.
See it live
Get a closer look before you buy
Limited-time offers
Catch special deals while they last
Live giveaways
Join in and discover something new
Live now · New arrivals
Find your next favourite.
Explore productsXclusiv TV
The elite, on demand.
Celebrating the finance, lifestyle, events, fashion and businesses of the elite through on-demand videos and livestreams.
Xclusiv events
Your life. Your lifestyle.
Share high-resolution photos, videos and livestreams from the parties, concerts, weddings and conferences you attend, and buy event tickets with only the people you choose.
Xclusiv Magazine · Africa Edition
Live in the unattainable world of exclusive living.
Buy and book from trusted brands, compare prices and ratings, and discover the finest products and services.
A platform for the bold to explore without boundaries.
Inspiring creative minds to freely express their talent, and giving everyone simple yet limitless opportunities to be who they want to be.
Are you a business?
Xclusiv for Business.
High-end manufacturers, vendors and resellers get everything they need to run their business with ease, all in one place. AI and data power your personalised dashboard for finance, CRM and ERP, to increase profit and customer happiness.