It started with a simple frustration. As a Ghanaian grad student in the US, I found myself constantly juggling multiple currencies, optimizing when to send money home, and trying to understand how my spending patterns affected my ability to support my family and pursue my dreams.
The apps available—Mint, YNAB, and others—weren't built for someone like me. They didn't understand remittances. They couldn't track cedis and dollars seamlessly. They had no concept of the unique financial pressures facing the African diaspora.
"I needed a tool that understood my life between two worlds. When I couldn't find it, I decided to build it."
— Founder, PayogoPayogo was born from lived experience. Every feature—from multi-currency support to remittance optimization—comes from real challenges I face every day. The AI doesn't just crunch numbers; it understands cultural context, family obligations, and the emotional weight of financial decisions.
We're not building another budgeting app. We're building financial infrastructure for a community that has been underserved and overlooked. A community of 2.1 million Africans in the US and 140 million globally who deserve tools that speak their language—literally and figuratively.