WelcometoNikkoPay
Nikko Pay is an app focused on transfers online and offline, built in Cape Verde and designed for every Cape Verdeans.
The Nikko Pay Solution
We provide a 100% digital remittance experience that lives in the palm of your hand. Unlock instant transfers, predictable fees, and a connection that feels as immediate as the people you care for.
- Onboard instantly: verify your ID in minutes with streamlined KYC built for Cape Verdeans worldwide.
- Step 01
- Fund digitally: connect your bank account, card, or wallet. Everything happens inside the app.
- Step 02
- Send with confidence: track every euro from departure to arrival—nothing hidden, nothing delayed.
- Step 03
Better Cost
Spend over 50% less compared with the other methods and remittance counters - keep more money with the people you love.
Speed
Your money arrives in minutes, not days. Nikko Pay automates compliance and settlement to remove delays.
Transparency
Low, fixed fees and live exchange rates—no surprises, no fine print, just predictable transfers every time.
Experience
Send money from anywhere with a simple, joyful app—no lines, no paperwork, no stress.
Safety
Bank-grade encryption and continuous monitoring keep every transaction safe with cutting-edge technology.
Transparency in How We Operate
Our revenue model is simple and built on two foundations. We earn predictably while you keep predictability in every transfer.
We charge a small 3.5% fixed fee per transaction. No tiered pricing, no hidden charges—just a flat rate you can count on.
We negotiate a competitive exchange rate that keeps remittances affordable while allowing a sustainable margin to operate and innovate.
Real-time dashboards
Know exactly how Nikko Pay earns and performs. Transparency is built into every dashboard and report.
Verified partners
We collaborate with trusted financial institutions in Cape Verde and abroad to guarantee compliant flows.
Always-on support
Our team stands behind every transfer with multilingual support from specialists who understand the diaspora.
Trust and Compliance
Our product was built from the ground up with regulatory guidelines in mind. We safeguard every transfer with the same care we would use for our own families.
Policy-first architecture
Compliance checks, watchlists, and identity verification are embedded across the treasury pipeline—not bolted on.
Dedicated governance partners
External auditors and advisors review Nikko Pay controls to uphold international standards.
Zero tolerance for shortcuts
Every approval is logged, monitored, and auditable—empowering regulators and customers with clarity.
Compliance
Aligned with AML, KYC, and CFT requirements from day one, ensuring every transaction stays legal, monitored, and auditable.
Risk Policy
Risk mitigation protects both Nikko Pay and our community with automated alerts, transaction scoring, and expert escalation paths.
Peace of Mind
Doing good means operating the right way. Millions can flow safely with complete transparency and zero tolerance for shortcuts.
More Than Just Remittances
Nikko Pay will soon go beyond transfers. We are expanding the platform with everyday services that make life in Cape Verde smoother for families at home and abroad.
- 01Bill payment
- 02Mobile top-up in Cape Verde
- 03Insurance payments
- 04Peer-to-peer transfers between Nikko Pay users
- 05Integration with local commerce in Cape Verde
- 06Offline payments
Meet the Team
We are the SUNNYTECH TEAM, committed to building the future of Cape Verdean remittances. Our experience blends fintech strategy, mobile technology, and deep roots in the community we serve.
William Da Luz
Managing Partner
- Product Marketing Manager
- Mobile Developer
- Problem Solver certified by MIT
Fábio Alves
Technical Founder
- Senior Software Engineer
- Specialized in Cybersecurity
- Pentesting expert
This is the new standard
Welcome to the future.
Join the waitlist and be one of the first of thousands of Cape Verdeans who want to send money to those they love, without delay, without bureaucracy and without hidden fees