Most trackers stop at a number. Riffl helps you act on it.
Seeing where your money went is step one. Riffl turns it into a habit — set a goal, stash what you didn't spend, and cut the subscriptions quietly draining you.
Name a target, watch the ring fill, and know if you're on pace — or how far short.
Under budget this month? Riffl nudges you to set it aside before it slips away.
Riffl flags the recurring charges you've stopped using — so you can cancel and save.
Snap it.
Riffl sorts it.
The hero showed you a tidy receipt. Real life isn’t tidy — tap a case:
Half a metre of JustRite paper — 58 items, read in one pass.
A real Jendol receipt — crumpled, faded, torn at the top. One field flagged, honestly.
Snapped in a dim buka, read anyway. Riffl never needs your bank login to do it.
A Moniepoint alert behind spiderwebbed glass. Low confidence says so.
The transfer alerts no other tracker can read.
In Nigeria, most spending lives inside bank and fintech apps, not open-banking APIs. Riffl reads the screenshot — recipient, amount, reference, balance — and turns it into a clean transaction.
Loans and Ajo, kept out of your spending.
Half your transfers aren't spending — they're a loan to a friend, your Ajo contribution, or rent split three ways. Riffl asks what a transfer was for, tracks what you're owed, and reconciles repayments automatically.
I kept throwing my receipts away.
Every week I'd collect receipts from convenience stores and fast-food spots — and bin them without logging a single one. My bank transfers, money in and money out, went untracked unless I asked for a statement. And even then, it never captured what I actually needed to manage my spending.
I wanted something simpler: snap the receipt or the bank alert, and actually see my weekly and monthly spend — clearly enough to budget and rein it in.
So I built Riffl. Personal-first, for exactly that.
Riffl reads with AI. Riffl thinks on your phone.
Riffl never connects to your bank. No login, no aggregator, nothing standing open — there is no connection to leak, because we never built one. Reading is one moment: the picture you point at a receipt goes to be read, comes back as figures, and is gone. Everything after that — your ledger, your budgets, your basket, how your own prices have moved — is worked out here, on your phone. We never see it. Here's the whole ledger, kept the way we'd want to see it →
Pay for the reflection.
Capture is unlimited and free. Your plan unlocks the audits, budgets, sync and reports — plus a monthly AI-scan allowance.
Questions, answered.
So my receipts do leave my phone?+
The photo does, for the seconds it takes to read — then it is discarded. Never stored, never used to train anything. What comes back are figures, and they are saved on your phone. Everything else — your transactions, your history, and every insight Riffl works out about your money — never leaves this device at all. And the thing we never ask for, and have never built a way to ask for, is your bank login.
How is this different from apps that link my bank?+
They hold your financial life on their servers and do the working-out there — that is how they are built. Riffl has no bank connection to hold: no login, no aggregator, nothing standing open. The only thing we ever see is a receipt photo, briefly, that you chose to take. Everything Riffl works out about your money is worked out on your phone.
Do you make money from my data?+
No, and it is not a promise we could quietly break — there is nothing to sell. Your transactions are computed and stored on your phone, in an encrypted database. What reaches us is a receipt photo, read and discarded in seconds, and a count of how many scans ran. Turn on cloud backup and your ledger does leave the phone — but it is encrypted first, with a key derived from your passphrase that we never receive. We hold a blob we cannot open. Asked to hand over your spending, we would have nothing readable to hand over. Riffl is paid for by subscriptions — the free tier keeps unlimited capture, and Plus opens the deeper audits. No ads, no data broking, no selling anything to anyone.
Do you train AI on my receipts?+
No. The image is read, the figures are returned, the image is discarded. Nothing is kept and nothing is used for training.
What could Riffl staff see if they wanted to?+
A count of how many scans have run. Not your transactions, not your receipts, not your insights — none of it reaches us. If you turn on encrypted backup, we hold a file we cannot read: the key is yours and only yours.
Is Riffl free?+
During early access, yes — completely. Long-term, the core capture → audit loop stays free, with an optional paid tier for power features. No ads, and your data is never sold.
Which banks and apps does it read?+
Any bank or fintech alert you can screenshot — OPay, Kuda, Moniepoint, PalmPay and more — plus printed receipts from JustRite, Jendol, Shoprite and the like. No bank logins or API access required.
Can it help with the new tax requirements?+
Yes — the records contractors and small businesses now need are the ones Riffl already keeps: every expense captured, categorized and dated. Export any range as a PDF statement or a CSV for your accountant. Riffl isn't a tax adviser; it just makes sure your records are ready when filing is.
Does it work offline?+
Capture, editing, filtering and your weekly, monthly and yearly audits all run on your phone. Reading a capture with AI needs a connection — switch AI off and reading stays on the phone too, though it reads less well.
Do I have to connect my bank account?+
No. Riffl never asks for your bank login and has no way to reach your account. You show it a receipt or a bank alert; that is the whole connection. Nothing to revoke, nothing to leak.
What is the “AI read”, and where does my data go?+
AI is how Riffl reads — item-level detail is what your budgets, basket breakdown and audits are built on, and nothing else gets it off a faded thermal receipt. When it runs, the image is read and immediately discarded: never stored, never trained on. Everything Riffl then works out from it happens on your phone.
What happens if I lose my phone?+
Your data is encrypted on-device. Turn on optional encrypted backup — to your own cloud file or a hosted service — and you can restore everything on a new phone.
Will it work on my phone?+
Riffl is built for the phone you already have, not a flagship. The reading is done by AI rather than by your phone\u2019s processor, so a \u20a640,000 Android gets the same read as a \u20a6900,000 one. All it has to do is take the picture.'s the whole point.
Does Riffl read my alerts automatically?+
No — and that’s deliberate. Riffl doesn’t sit inside your SMS or notifications. You snap the alert or share the screenshot, it reads everything in about 2 seconds, and that is all it ever sees. “No typing” means you never enter amounts or names by hand — not that the app watches your phone. A money app with standing access to every alert is exactly what we didn’t want to build.