Owo Academy · Phase 1 launching Q3

Learn Naija money.
For real this time.

Twelve bite-sized lessons in plain English. T-bills, mutual funds, Naira vs dollar hedge, Japa funding, the truth about Cowrywise vs Risevest. AI quizzes you. Earn badges. Build the playbook your parents didn't have.

See the curriculum Get early access
12
Lessons
5 min
Per lesson
8
Badges to earn
₦0
Always free
Why this exists

Most "financial literacy"
is useless in Naija.

Western personal-finance content assumes credit scores, 401k, mortgages at 3%, and a stable currency. We don't have those. We have rent that triples in two years, ₦/$ that swings 40% in a month, and family who'll call when school fees are due. Owo Academy is built for this reality — not a Suze Orman remix.

Owo AI is your tutor

Every lesson ends with an AI-driven quiz that uses your own numbers. Not a multiple-choice test — a real conversation. "If you have ₦450k income and rent of ₦150k in Lagos, what's your safe T-bill allocation?" Then it shows the math.

The Curriculum

12 lessons.
Each one is 5 minutes.

Phase 1 launches three lessons + Owo AI quizzes. The rest unlock through Q3 2026. Track progress in your dashboard.

L01
The Naira reality check
Inflation, devaluation, and why the ₦100k you saved in 2020 is now worth ₦42k. The starting math.
5 min• Live Q3
L02
Treasury Bills, demystified
CBN T-bills give 18-25% p.a. in Naira. Better than your savings account. Here's the catch and how to actually buy one.
6 min• Live Q3
L03
Mutual funds without the BS
Money market vs equity vs balanced. What ARM, Stanbic, FBN, and Cowrywise are actually selling you.
5 min• Live Q3
L04
The dollar hedge — should you?
Risevest, Bamboo, Trove. When holding USD makes sense and when it's just FOMO.
5 minQ4 2026
L05
Black Tax — the honest math
You can't escape it. You can structure it. How to plan family support without burning yourself out.
6 minQ4 2026
L06
Rent in Lagos vs Abuja vs Yaba
When 1-year-paid-upfront breaks you. How to negotiate. What 30% rent ratio really means.
5 minQ4 2026
L07
Side hustle money — sort it
The Naira freelancer's tax, savings, and FX problem. Building a buffer when income is lumpy.
6 minQ4 2026
L08
The Japa fund playbook
UK/Canada/US visa fees, tuition, 6mo runway. Building £40k from ₦300k income. Realistic timelines.
7 minQ4 2026
L09
Insurance that's not a scam
HMOs vs life insurance vs travel cover. What actually pays out in Nigeria.
5 minQ1 2027
L10
Pension Fund Administrators
RSA, AVC, and the 3 PFAs actually worth using. How to switch.
5 minQ1 2027
L11
Buying property in Naija
Lands, mortgages, off-plan scams, REITs. What ₦20M actually buys you and where.
8 minQ1 2027
L12
The 10-year plan
Putting it all together. How a ₦400k earner becomes a ₦40M net-worth in a decade. Real math, no hype.
10 minQ1 2027
Earn as you learn

Badges that mean
something.

Finish a lesson, ace the AI quiz, earn a badge. Stack 5 for a LinkedIn-shareable cert. (We're not gamifying for engagement metrics — we're gamifying so you actually finish.)

Starter
L01 done
T-Bill
L02 + quiz
Fund Pro
L03 mastered
Dollar Hedge
L04 unlocked
Landlord-proof
L06 done
Japa Ready
L08 mastered
Money OS
All 12 done
Teacher
Refer 3 students

Get notified when L01 drops.

Phase 1 (L01–L03) launches Q3 2026. We'll DM you a free unlock code the day it ships.

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