⭐ Most Popular · Fan-Created Simulations
Chat with the world's greatest financial minds
AI simulations of legendary investors and money thinkers — trained on their books, interviews, and speeches. Applied to your actual finances.
WB
Warren Buffett
Value · Long-term Compounding
₦3,000/mo · 6.2k users
RK
Robert Kiyosaki
Assets vs Liabilities · Rich Dad
₦2,000/mo · 11.4k users
GC
Grant Cardone
10X Rule · Sales & Income
₦2,500/mo · 9.1k users
DR
Dave Ramsey
Debt Freedom · Baby Steps
₦1,500/mo · 5.3k users
PL
Peter Lynch
Stock Picking · Ten-Baggers
₦2,000/mo · 3.8k users
DT
Donald Trump
Deal-Making · Branding
₦2,500/mo · 7.8k users
⚠️ Fan-created AI simulations based on publicly available books & interviews. Not affiliated with or endorsed by the named individuals.
Or choose an Archetype Buddy
All
Investing
Budgeting
Entrepreneurship
Academic
Crypto
Free Only
⭐ Celebrity Sims
The Contrarian Investor
Value Investing · Long-Term Wealth
Challenges conventional wisdom. Focuses on fundamentals, patience, and avoiding the crowd.
The Aggressive Closer
High Growth · Entrepreneurship
No excuses. Maximum growth. Pushes you to think bigger and eliminate financial mediocrity.
The Academic Economist
Macroeconomics · Research-Driven
Evidence-based guidance from academic research, macroeconomic theory, and behavioural economics.
The Lagos Street Smart
Nigerian Markets · Practical Finance
Deeply rooted in the Nigerian financial reality. Advice built for where you actually are.
The Asset Architect
Real Estate · Passive Income
Build wealth through assets, not income. Cash flow thinking and real estate fundamentals.
Create Your Own
AI Studio
Build a Finance Buddy from your knowledge. Publish it and earn when others subscribe.
⭐ Fan-Created Celebrity Simulations
⚠️
These Finance Buddies are fan-created simulations built in the AI Studio by Smart Money users. They are not affiliated with, endorsed by, or representative of the named individuals. Responses are AI-generated based on publicly available books, interviews, and speeches — not actual advice from these people.
Warren Buffett Fan Sim
Value Investing · Long-Term Compounding
AI simulation of Buffett's philosophy: buy wonderful companies at fair prices, think in decades, and let compound interest do the heavy lifting.
🔒 Fan-created simulation. Not affiliated with or endorsed by Warren Buffett.
Grant Cardone Fan Sim
10X Growth · Sales · Real Estate
AI simulation of Cardone's 10X philosophy: obsessive action, massive income targets, and using debt strategically to acquire cash-flowing real estate.
🔒 Fan-created simulation. Not affiliated with or endorsed by Grant Cardone.
Robert Kiyosaki Fan Sim
Assets vs Liabilities · Financial IQ
AI simulation of Kiyosaki's Rich Dad philosophy: make your money work for you, acquire assets, avoid liabilities disguised as assets, and invest in financial education.
🔒 Fan-created simulation. Not affiliated with or endorsed by Robert Kiyosaki.
Donald Trump Fan Sim
Deal-Making · Branding · Real Estate
AI simulation of Trump's deal-making philosophy from The Art of the Deal: think big, negotiate hard, leverage your brand, and treat every financial move as a negotiation to win.
🔒 Fan-created simulation. Not affiliated with or endorsed by Donald Trump.
Dave Ramsey Fan Sim
Debt Freedom · Baby Steps · Discipline
AI simulation of Ramsey's Total Money Makeover approach: eliminate debt with intensity, live on less than you earn, build a baby emergency fund, then wealth-build debt-free.
🔒 Fan-created simulation. Not affiliated with or endorsed by Dave Ramsey.
Peter Lynch Fan Sim
Stock Picking · One Up on Wall Street
AI simulation of Lynch's "invest in what you know" philosophy: find great companies before Wall Street does, look for ten-baggers in everyday life, and ignore market noise.
🔒 Fan-created simulation. Not affiliated with or endorsed by Peter Lynch.
Philosophy
Sample Responses
User Reviews
🎯
The Contrarian Investor
Live · Watching your data
📊 Statement
📧 Gmail
📰 Nairametrics
What T-bill rate?
Cut subscriptions
Debt payoff plan
CBN rate impact
Your DataBank
📂 Data Sources
📊 Spending Analytics
💡 More data = more personalised advice. Start with Gmail or a bank statement.
Bank Statements
2 connected
GTBank_March_2026.pdf
GTBank_February_2026.pdf
Drop statement here
PDF or CSV · Any bank
Gmail Integration
Active
Bank Alerts
Receipts & Invoices
Subscription Renewals
Manual Entry
Add Manually
Type
Amount (₦)
Description
Date
Category
Open Banking API
1 connected
How it works
1
Select your bank
Choose from supported Nigerian banks below. You'll be redirected to your bank's own secure login page — Smart Money never sees your credentials.
2
Authorise with your bank
Your bank asks what you want to share. You choose: account balance, transaction history, or both. You can grant read-only, or read + execute for Agentic Actions.
3
Smart Money receives your permission token
We receive a secure token from your bank — not your password. Your buddies now have live context. Revoke access anytime from here or from your bank's app.
Select a Bank to Connect
🏦
GTBank
● Connected · Read + Execute
🏛️
Access Bank
Tap to connect
🔷
Zenith Bank
Tap to connect
🦁
UBA
Tap to connect
📊
Stanbic IBTC
Tap to connect
🏅
First Bank
Tap to connect
GTBank — Permission Controls
Account balance (real-time)
Transaction history (last 6 months)
Credit / debit alerts (real-time)
Standing orders & debit mandates
Execute transfers (Agentic Actions only)
🔐
Your login credentials never leave your bank's website. Smart Money receives only a time-limited permission token. All Open Banking connections comply with CBN Open Banking guidelines. You can revoke access here or directly from your bank's app at any time.
Live Signal Sources
— Your buddies listen to these
9 sources active
📰 News Media
🐦 Social & Creators
🎙️ Podcasts
📬 Newsletters
⚡ Custom API Sessions
📊
Nairametrics
Nigerian Markets
📈
BusinessDay NG
Local Economy
🌐
Reuters Finance
Global Markets
₿
CoinDesk
Crypto & Web3
🏦
Bloomberg
Global Finance
+
Add News Source
RSS or URL
Your Financial Goals
💡 Goals set inside a chat are automatically tracked here
Total Saved
₦820k
↑ +₦145k this month
Active Goals
3
1 ahead of schedule
Advice Acted On
68%
↑ +12% vs last month
Next Milestone
18d
Emergency fund
🏦 Emergency Fund — 6 Months
₦480,000
of ₦900,000
📈 Investment Seed Fund
₦225,000
of ₦500,000
✂️ Subscription Audit
₦12,000
saved so far
AI Studio — Build a Finance Buddy
💡 Complete all 5 steps to publish your buddy and start earning
✓
① Knowledge Base
3 sources
Drop PDFs, videos, or paste a URL
Books · Articles · Transcripts · Course materials
Lagos_Finance_Guide.pdf
Podcast_Transcript_S01.txt
2
② Personality Engineering
Signature Phrase
Will NOT advise on
3
③ AI Model Selection
Choose the underlying AI model. Each has a distinct reasoning style — match it to the persona you're building.
Claude
Nuanced · Balanced
GPT-4
Direct · Bold
Gemini
Live · Web-aware
4
④ Notification Triggers
Configure which financial events cause this buddy to reach out proactively. Users can adjust these further in their own settings.
Salary / Large credit received
Spending threshold exceeded
Goal deadline approaching (2 weeks)
New subscription detected
Significant market / news event
Weekly check-in summary
Max notifications / week
5
⑤ Pricing & Publishing
Free
10 msgs/month
₦2,000/mo
Unlimited · Selected
Custom
You set the price
Revenue Estimate
100 users × ₦2,000₦200,000/mo
Your 70% share₦140,000/mo
Live Preview
Real-time
I see your salary just hit — ₦380k credited. Before you touch it, let's map where every naira goes. What's your most urgent financial priority right now?
Pay off my credit card debt of ₦95k
Good — that's 24% interest eating you alive. Pay it off today, not at month end. That's ₦95k freed from a wealth-destroying obligation. Then we talk about what comes next.
What comes after the debt?
Three months emergency fund — ₦285k target based on your expenses. No investing before this is done. This is your foundation.
Revenue Projection
50 subscribers₦52,500/mo
100 subscribers₦105,000/mo
500 subscribers₦525,000/mo
Creator Dashboard
Total Earnings This Month
₦186,000
From 124 active subscribers across 2 Finance Buddies
Your 70% share of ₦265,714 gross
Your 70% share of ₦265,714 gross
Active Subscribers
124
↑ 18 from last month
Avg. Rating
4.8 ★
Across all buddies
Avg. Session
8.2m
↑ 1.4m from last month
My Finance Buddies
Buddy
Subscribers
Rating
Monthly Rev.
Status
🎯
The Aggressive Investor
₦1,500/mo · GPT-4 · Investing
98
4.9 ★
₦102,900
● Live
⚖️
The Steady Builder
₦800/mo · Claude · Balanced
26
4.6 ★
₦14,560
● Live
🚧
The Entrepreneur's CFO
₦2,000/mo · Gemini · Business
—
—
—
In Review
⚡ Agentic Actions
Smart Money Wallet
Active
Wallet Balance
₦85,000
Available for agent actions
Executed This Month
₦215,000
4 actions · all approved
Per-Action Limit
₦50,000
Tap to adjust
Pending Your Approval
2 waiting
🎯
Move ₦50,000 → ARM Money Market Fund
Suggested by The Contrarian after your salary credit. "Park this in the MMF while you decide on the T-bill. Currently yielding 16.4%. Liquid in 48hrs."
From: Smart Money Wallet · To: ARM MMF · Fee: ₦0
Requested 2hrs ago
🌱
Cancel Netflix subscription · Save ₦4,400/mo
Suggested by The Frugalist from your subscription audit. "You haven't used Netflix in 23 days based on your receipt data. Cut it and redirect to your emergency fund."
Action: Cancel recurring payment · GTBank debit order
Requested 5hrs ago
Execution History
This month
✅
₦80,000 → Stanbic IBTC MMF
Done
✅
₦95,000 → GTBank Credit Card (payoff)
Done
✅
Spotify subscription cancelled
Done
❌
₦150,000 → Cowrywise T-bill
Declined
Bank & Investment Connections
🏦
GTBank
● Connected · Read + Execute
Acc: ••••4521 · Balance visible · Transfers enabled up to ₦50k/action
📈
ARM Investment
● Connected · Execute enabled
MMF + Eurobond portfolio visible · Deposits enabled · Balance: ₦380,000
+
Connect Another Account
Access Bank · Zenith · UBA · Stanbic · Cowrywise · Piggyvest
🔐
Security model: All connections use bank-grade OAuth — we never store your login credentials. Every agent action requires your explicit in-app confirmation before execution. You can set per-action limits, daily limits, and instantly freeze agent access at any time. Your buddy can recommend, but only you can approve.
Profile
Notifications
Subscriptions
Privacy & Data
Appearance
TJ
Tunde Johnson
tunde.johnson@gmail.com
Pro Plan · ₦3,500/mo
Personal Info
Update your name, email, and currency preferences
Full Name
Email
Currency
Time Zone
Financial Profile
Help your buddies understand your context better
Monthly Income Range
Used to calibrate advice thresholds
Primary Financial Goal
Set during onboarding — update anytime
Risk Tolerance
Affects investment recommendations
Partner Dashboard
Total Clients
48
↑ 6 this month
Avg Health Score
71
↑ 3pts vs last month
Total AUM Tracked
₦2.4B
↑ ₦280M this month
Pending Approvals
3
2 above ₦500k limit
⚠️ Clients Needing Attention
Auto-flagged by Smart Money AIAN
Amaka Nwosu
BJ
Biodun James
KO
Kunle Okafor
📬 Scheduled Client Reports
Monthly Financial Summary
Sent every 1st · Health Score + Spending + Goals · Branded Stanbic Wealth
Quarterly Portfolio Review
Sent every quarter · Investment returns + rebalancing suggestions
All Clients
| Client | Health Score | Net Worth | Last Activity | Data Shared | Buddy | Status | |
|---|---|---|---|---|---|---|---|
TK Tunde Kamara |
78 |
₦1.07M | 2 hours ago | Full access | The Contrarian | Active | |
AN Amaka Nwosu |
42 |
₦380k | Yesterday | Full access | Dave Ramsey (Fan) | Needs attention | |
BJ Biodun James |
61 |
₦2.1M | 3 days ago | Spend only | Stanbic Advisor AI | Active | |
KO Kunle Okafor |
89 |
₦8.4M | 1 hour ago | Full access | Warren Buffett (Fan) | Active |
⚡ Action Approvals
Actions above ₦500,000 require partner sign-off
⚙️ Approval threshold is set to ₦500,000. Any client agentic action above this amount is held for your review before execution. Change this in Feature Control → Agentic Oversight.
TK
Tunde Kamara
Requested by: The Contrarian Investor (AI Buddy)
Action Details
Action
Transfer to ARM MMF
Amount
₦750,000
From
GTBank Savings
"Tunde's salary credited ₦450k this month. He has ₦1.2M idle in savings earning 5.5% while ARM MMF yields 16.4%. Moving 3 months of expenses to MMF will earn an additional ₦38,700/year. He approved this strategy in our conversation on March 18."
KO
Kunle Okafor
Requested by: Warren Buffett (Fan Sim)
Action
Buy GTCO stock
₦620,000
Via
Meristem Securities
"GTCO is trading at P/E 3.2 — below intrinsic value by my calculation. Dividend yield of 8.4% exceeds T-bill rate. Kunle has discussed Nigerian bank exposure in three sessions. This is a 7.4% position allocation, within his stated equity tolerance."
🎛️ Feature Control
Toggle which Smart Money features your clients can see and use
💡 These settings apply to all your clients. Changes take effect immediately. Clients will see features disappear or appear on next app refresh.
Celebrity Buddy Simulations
Warren Buffett, Kiyosaki, Cardone etc. visible in Marketplace
Agentic Actions
AI buddy executes financial transactions on client's behalf
Spending Analytics
Full DataBank analytics dashboard with all 5 sub-tabs
Group Chat
Clients can create multi-buddy council conversations
Open Banking
Direct live bank connections via CBN Open Banking API
Custom Signal Sessions
Third-party signal providers (Real estate, stock alerts etc.)
AI Studio (Creator)
Clients can build and publish their own Finance Buddies
Goal Tracker
Financial goal creation, tracking, and milestone alerts
Salary Moment Overlay
Full-screen allocation plan on salary credit detection
Agentic Oversight (Partner)
Require partner approval for actions above threshold
₦ threshold
₦ threshold
White-Label Mode
Replace Smart Money branding with your firm's logo & colours
Marketplace (Public)
Clients can browse and subscribe to public buddies beyond yours
🤖 Partner AI Buddies
🤖 Partner buddies can be Public (visible in the Smart Money Marketplace) or Private (only your clients see them). Staff profile buddies include a "Book a Session" CTA that links to your calendar.
| Buddy | Type | Model | Visibility | Subscribers | Escalates To | Status | |
|---|---|---|---|---|---|---|---|
🏛️ Stanbic Wealth Advisor |
Firm Buddy | Claude | Private — Clients only | 48 | Senior Advisor | Live | |
AA Adaeze Akunna (AI) |
Staff Profile | GPT-4 | Private — Clients only | 31 | Adaeze Akunna (real) | Live | |
🌱 The First-Time Investor |
Public Buddy | Claude | Public — Anyone | 214 | Firm intake form | Live |
🔀 Escalation Rules
Topic contains
estate planning
→ escalate to
Senior Advisor (human)
Action above
₦2,000,000
→ escalate to
Partner approval queue
Sentiment
detected distress
→ escalate to
Adaeze Akunna (AI + Book CTA)
🏢 Staff & Roles
Role Permissions
Admin
Full access. All clients, all data, billing, staff management
Advisor
Assigned clients only. Full data, can approve actions, write goals
Analyst
All clients, read-only spend analytics. Cannot see transactions
View Only
Dashboard and health scores only. No individual client data
| Staff Member | Role | Assigned Clients | AI Buddy | Last Active | Status | |
|---|---|---|---|---|---|---|
MO Muyiwa Oladele |
Admin | All 48 | — | Now | Active | |
AA Adaeze Akunna |
Advisor | 31 assigned | Adaeze Akunna (AI) | 1hr ago | Active | |
EA Emeka Anyanwu |
Analyst | All (read-only) | — | Yesterday | Active | |
? Pending Invite |
Advisor | — | — | Sent 2hrs ago | Invited |
📋 Client Onboarding
📝 Application Form Fields
⠿TextFull Legal NameRequired
⠿EmailEmail AddressRequired
⠿SelectAnnual Income RangeRequired
⠿SelectNet Worth RangeRequired
⠿SelectRisk ToleranceRequired
⠿TextareaPrimary Financial GoalsRequired
⠿UploadGovernment-issued IDKYC
📄 Legal Documents & Policies
Investment Policy Statement
Client must read and sign
Risk Disclosure Document
Must acknowledge before proceeding
Data Sharing Consent
Authorises partner to view DataBank
Advisory Fee Schedule
Fee structure and billing terms
Pending Applications
2 awaiting reviewFunke Adeyemi
Pending reviewApplied 1hr ago · Net worth: ₦5M+ · Income: ₦800k+/mo
Chidi Okonkwo
Docs missingApplied yesterday · Missing: Government ID
Client Invite Links
Share these links to bring clients onto your partner workspace
partners.smartmoney.ng/stanbic-wealth/join
Link expires in 30 days · 48 uses remaining of 100 limit
⚙️ Analytics Rules
Define how financial metrics are calculated for your clients
⚙️ These rules override Smart Money's default calculations. Clients see metrics calculated your way in their Spending Analytics dashboard.
Active Custom Rules
🏦
Net Worth Calculation
liquid_assets + investments + pension_value - all_liabilities
💰
Savings Rate
(income - expenses - loan_repayments) / income
📈
Investment Return
Annualised XIRR across all investment entries
🎯
Health Score Weighting
savings 40% · debt 30% · goals 20% · investments 10%
Included / Excluded Categories
Include Pension in Net Worth
Uses pension value from manual entry
Include Business Assets
Clients can tag accounts as business assets
Exclude Foreign Currency
Only NGN balances in health score
Loan repayments as savings
Count mortgage repayment as wealth building
🗄️ Database (BYOD)
Bring Your Own Database
Your client financial data can live in your own infrastructure instead of shared Smart Money storage. Connections are encrypted and scoped to your organization only. Full data residency options (dedicated schema, dedicated instance) are on the roadmap — this panel shows what that configuration will look like.
🐘
Stanbic PostgreSQL · Primary
postgres://•••••••••.amazonaws.com:5432/•••••••••
Latency
12ms avg
Records
48,201
Last sync
2 min ago
+
Add Another Database
PostgreSQL · MySQL · MongoDB · Supabase · Firebase · AWS RDS
🔬 AI Research Workspace
Your private AI co-pilot for market research and client analysis
Select AI Model
Research Prompt
🎯 Write Client Goals
Goals appear in client's Goal Tracker with your attribution
Create Goal for Client
Goals Written This Month
Tunde Kamara
Accepted
Credit Card Payoff · ₦95,000 · Apr 30
Kunle Okafor
38% funded
Investment Portfolio · ₦5,000,000 · Dec 2026
Biodun James
Pending accept
Emergency Fund · ₦1,200,000 · Jun 2026
💡 Send Opportunities
Time-sensitive suggestions appear in the client's Opportunities tab
Send Opportunity
Opportunities Sent
Kunle Okafor
Active
Buy GTCO — trading below intrinsic value
Sent 2 days ago
Tunde Kamara
Acted On
3-month T-bill window
Sent 1 week ago
Biodun James
Missed
REIT allocation opportunity
Sent 3 weeks ago
📡 API & Documentation
Your API Key
Not generated yet
Base URL
https://api.smartmoney.technology/v1/partner/
Rate limit: 1,000 req/min · Auth: Bearer token
Endpoints
GET
/clients
List all clients with pagination and filtering
›
Query Parameters
statusstringoptionalFilter by: active | pending | inactive
health_score_minintegeroptionalReturn only clients above this health score
limitintegeroptionalDefault 20, max 100
Example Response
{"clients": [{"id": "usr_abc123","name": "Tunde Kamara","health_score": 78,"net_worth_ngn": 1075000,"data_sharing": "full","last_active": "2026-04-07T10:30:00Z"}],"total": 48,"page": 1}
GET
/clients/{id}/analytics
Full financial analytics for a specific client
›
Path Parameters
idstringrequiredClient user ID
Query Parameters
periodstringoptional1m | 3m | 6m | 1y | all · Default: 3m
includestring[]optionalspending | investments | cashflow | networth · Default: all
POST
/clients/{id}/goals
Write a goal to a client's Goal Tracker
›
Request Body
titlestringrequiredGoal name shown to client
target_amount_kobointegerrequiredTarget amount in kobo (minor unit)
target_datedaterequiredISO 8601 date
advisor_notestringoptionalShown to client with the goal
require_acceptancebooleanoptionalClient must accept before goal is active · Default: true
POST
/signals/publish
Publish a signal to trigger a client buddy conversation
›
Request Body
client_idstringrequiredTarget client (or "all" for broadcast)
signal_typestringrequiredproperty_listing | stock_alert | market_event | custom
dataobjectrequiredSignal payload — passed to buddy as context
relevance_checkbooleanoptionalLet AI check relevance before surfacing · Default: true
PATCH
/agent-actions/{id}/approve
Approve or decline a pending agentic action
›
Request Body
decisionstringrequiredapprove | decline
partner_notestringoptionalReason for decline, shown to client and buddy
POST
/webhooks/register
Register a webhook for real-time partner events
›
Available Event Types
client.joinedobjectNew client joined your partner workspace
action.pendingobjectAgent action submitted for your approval
client.health_dropobjectClient health score drops by configured threshold
goal.milestoneobjectClient reaches a goal milestone
chat.inviteobjectClient invites partner to join a chat session
Find a Partner
Verified Partner Firms
Work with a real financial expert
Your AI buddy handles the day-to-day. These firms provide human expertise for the bigger decisions — investment strategy, tax planning, business structuring, estate management.
3
Verified Partners
All
Wealth Management
Investment Advisory
Tax & Accounting
Real Estate
Business Finance
Free Intro Call
🏦
Stanbic Wealth Management Your Partner
You joined Feb 2026 · Advisor: Adaeze Akunna · Data shared: Full access
Meristem Securities
Investment Advisory
📈
Full-service stockbroking and investment advisory. Nigeria's leading independent research firm. Access to NGX, T-bills, Eurobonds and structured products.
4.9★
Rating
2,800+
Clients
₦50M+
Min. Portfolio
View Profile & Apply →
Cowrywise Pro Advisory
Wealth Management
🌱
Digital-first wealth management for the modern Nigerian. MMF, mutual funds, dollar investments, and now human advisor access for high-growth clients.
4.8★
Rating
12,000+
Clients
₦0
Minimum
View Profile & Apply →
ARM Investment Managers
Asset Management
🏛️
One of Nigeria's most trusted asset managers. ARM Money Market Fund, pension management, real estate investment trusts, and bespoke private wealth.
4.7★
Rating
85,000+
Clients
₦100M+
Private Wealth
View Profile & Apply →
💬
Invite Your Partner to a Chat
Once you're working with a partner firm, you'll be able to share a chat with them so they can see the full conversation and join as an active participant — useful when you want human input on something you've been discussing with your AI buddy. You can revoke access at any time from Settings → Privacy & Data.