Goodiebag

Goodiebag turns "let me send you something" into an actual instant bank transfer. You create a Goodiebag (a money packet) with one or more recipients, set an amount, and share a single link and PIN. Whoever opens the link enters the PIN and the money is sent directly to their phone-linked bank account, no app download, no sign-up, no waiting for approval.

It's built for the moments people usually send money badly: paying back a group after a trip, splitting a bill, dropping a surprise cash gift, rewarding followers or a community with a giveaway, or handling a quick payout to several people at once. Senders can split funds equally, let it land as a "lucky drop" where amounts vary, or set custom amounts per person.

Under the hood, Goodiebag never holds your money. Funds move straight from the sender's payment through Paystack to the recipient's bank account. There's no wallet balance sitting in an app, no withdrawal step, and nothing to "cash out" later, because the transfer happens the moment the link is claimed.

What it deliberately doesn't do: it isn't a wallet or savings app, it doesn't support traditional bank accounts (only phone-linked accounts on OPay, PalmPay, and Moniepoint, for instant payout), and it doesn't need an app install for recipients to get paid.