Intelligent business banking
Banking that understands the company.
Lenz is business banking rebuilt as a financial operating system. See your money clearly, know what needs attention, and move from question to action without losing control.
It costs nothing to open a workspace.
Built first for modern Nigerian companies.
Monday, 24 August
Available across accounts
₦77.6M
Runway 9.4 months · High confidence · As of 07:58
Payroll is due Friday. The operating account is funded, but AWS is 22% above its recent average and one ₦18.4M invoice is overdue.
Partners
Zikora
Business banking, completed
Everything you expect from banking.
Everything banking should understand.
Open an account, receive money, make payments, manage company spend, and keep financial control. Lenz connects those banking actions to the obligations, policies, people, and decisions around them.
NGN · Operating ····4102
Available now₦77,580,000.00
Available · confirmed with the bank at 07:58
- Pending
- ₦3.1M
- Reserved
- ₦12.4M
- Restricted
- ₦0.00
Banking shows you what happened.
Lenz helps you decide what happens next.
A balance cannot tell you whether payroll is covered, why burn increased, or which overdue invoice threatens next month’s cash. Lenz connects financial activity to the decisions behind it.
Traditional banking
- Balances
- Transactions
- Transfers
- Statements
Four nouns, no direction. The reader does all the work.
The Lenz banking loop
01Understand
What changed, and why?
02Prioritize
What deserves attention now?
03Decide
What are the options and consequences?
04Authorize
Who or what policy must approve?
05Act
Which available banking path should execute?
06Prove
What happened, and what is now true?
Built for the people who run the company
Founders, operators, and finance—working from one set of books.
Lenz is for the café that needs to see today’s take, the brand packing orders after hours, and the founder authorizing a payment from the tarmac.
Operators
See what landed, and what still needs to.
Growing brands
Spend, stock, and payroll in one view.
Founders on the move
Authorize with the full picture, from anywhere.
Work the system to zero
One queue for every financial decision.
Approvals, Watchdog holds, overdue invoices, payment exceptions, missing receipts, funding gaps, and compliance requests arrive in one ranked queue—ordered by impact and urgency, not timestamp.
Prepared context. Visible consequence. A clear next action.
Explore Attention →Attention · Ranked by impact
5 open
1.Payroll requires funding by Thursday
Critical₦4.6M below the required operating reserve.
2.Harbour Power destination changed
HoldWatchdog is holding the next payout until a named person confirms the new account.
3.A customer invoice is 12 days overdue
AttentionPredicted collection moved outside the current forecast window.
4.AWS spend is above recent trend
AttentionCompute costs account for most of the increase.
5.A receipt is missing for a recurring payment
RoutineLenz found three prior matching transactions.
Can we afford to hire six engineers?
At the current burn rate, six hires would reduce runway from 9.4 to approximately 7.1 months. This assumes hiring begins in October and revenue remains at the current forecast.
Lenz reads financial systems and prepares actions. You authorize every execution.
A natural-language banking interface
Ask the company’s finances directly.
Search the way you remember. Ask what changed, find an approximate payment, understand runway, or prepare routine financial work without knowing where every feature lives.
Lenz reads financial systems and prepares actions. You authorize every execution.
Explore Ask Lenz →One continuous banking loop
From signal to settled outcome.
Signal
An invoice arrives through Gmail.
Extract
Lenz extracts the vendor, amount, and due date.
Check
It checks for a duplicate or matching payment.
Attention
The item enters Attention when confirmation is required.
Review
Finance reviews the prepared action.
Authorize
Company policy determines approval.
Act
The payment follows the available banking rail.
Prove
Settlement state and evidence remain visible.
Lenz removes the detective work between noticing a problem and resolving it—without removing financial accountability.
Payments
Start with who, why, and when.
Lenz checks the beneficiary, Watchdog, company policy, and required approval before money moves. Submitted is not settled—and the interface never pretends otherwise.
Payment · NGN operating
Prepared · Nothing sentEkene Logistics Ltd
₦2,450,000.00
Invoice EKL-0341 · September haulage
- Beneficiary
- Verified · 14 prior payments
- Duplicate check
- No matching payment found
- Policy
- Above ₦2M — CFO approval required
- Cash impact
- Operating stays above reserve through Friday
Watchdog
2 open
Harbour Power destination changed
High holdAccount moved from ****4418 to ****9021. The next payout is held until a named person confirms the new destination.
Possible duplicate bill from Ekene Logistics
ReviewEKL-0341 (₦2,450,000) and EKL-0348 (₦2,410,000) are both open. Review before either is paid.
Ask Lenz can explain the evidence. A named person dismisses the hold or creates a rule.
Watchdog
Fraud checks with a stated reason.
A changed beneficiary account, or a second live payment of the same amount within 14 days, holds the payout. Near-duplicate bills and sudden recurring jumps land in the same inbox. Ask Lenz explains the evidence. A named person dismisses the hold or writes the rule.
Intelligence with boundaries
Helpful enough to act. Careful enough to trust.
Financial truth stays deterministic
Balances, fees, rates, and payment states come from financial systems of record—not generated text.
Intelligence does not bypass banking controls
Lenz can understand, compare, and prepare. A Watchdog hold stays in place until a named person dismisses it. Money still moves through permissions, approvals, and auditable financial commands.
Every material answer is inspectable
Review calculations, assumptions, sources, and data freshness before making a decision.
History remains history
Corrections add context without rewriting original transactions or approval records.
Connected systems → Lenz intelligence → Prepared action → Company policy → Approval → Banking rail → Audit proof
Read about security →Nigeria first
Built around how Nigerian companies actually operate.
From company verification and naira banking to local payments, payroll, and multi-system finance operations, Lenz begins with the realities of running a modern Nigerian company.
Company and director verification
Naira business banking
Local payment workflows
Payroll, invoicing, and receivables
Human-readable compliance state
Nigerian currency, date, and business conventions
See your company through Lenz.
Open a free workspace and experience a clearer way to understand, manage, and move company money.
It costs nothing to try. Banking activation is subject to company verification and partner approval.