Paying bills in Nigeria usually means a different app, a different card and a different failed transaction for each one. Ziippa puts them behind a single wallet: users fund it through Flutterwave, then top up airtime and data on MTN, Glo, Airtel and 9mobile, buy electricity tokens, and renew DStv, GOtv or StarTimes — all from one dashboard with a clear transaction history.
- Result
- 4 networks · 3 TV providers · 1 wallet
- Stack
- Next.js, NestJS, Drizzle ORM

What made it work.
- 01
One wallet, funded via Flutterwave, that pays for airtime, data, electricity and cable TV
- 02
VTpass integration covering all four mobile networks, prepaid electricity and three TV providers
- 03
OTP-verified sign-up, JWT auth and a rate-limited, Redis-backed API
The outcome
Recurring bills become a two-tap habit instead of a monthly chore — and every purchase lands in one clean transaction history.