Your business runs on memory.
We give it a brain.
Crelligent Core is the intelligence copilot for market traders, artisans, and micro-enterprises across Nigeria. Track your stock, understand your cash, and build the financial identity your business deserves — entirely on WhatsApp.
Works on any phone • No app download • Available in local languages
ESRE Vitals Bot
Online
65% of informal businesses collapse within three years. Not because the owner lacked ambition. Because they lacked a system.
The market trader runs their entire business in their head. Stock levels, what customers owe, what suppliers are owed, how much was made last Tuesday — all of it stored in memory and notebooks that can be lost, stolen, or forgotten. When something goes wrong — illness, a bad month, a supplier who disappears — there is no system to fall back on.
Formal institutions know this market exists. They know it generates over 58% of Nigeria's GDP. But they cannot serve it because they cannot see it. No credit history. No financial records. No structured data. The informal economy is invisible to the systems designed to support it.
Crelligent Core was built to solve both problems simultaneously. Give the trader a system they will actually use. Give the institution the data it needs to serve them. Create the bridge that turns Nigeria's largest economic layer into a structured, intelligent, and financeable ecosystem.
Zero Friction. Not Zero Effort.
You cannot force a market trader to learn complex accounting software. You have to meet them exactly where they already are.
The UI is Conversation
There are no forms, no menus, and no dashboards for the trader to navigate. They just chat with the bot on WhatsApp the same way they chat with their suppliers.
Instant Utility
The bot doesn't ask for a 10-year business plan. It asks what was sold today. It immediately generates a professional digital receipt the trader can forward to their customer.
Silent Structuring
While the trader is just chatting, Crelligent Core is working silently in the background, structuring that conversational data into formal financial ledgers and credit scores.
Manage your business. Just by chatting.
I've noted Mama Nkechi's debt of ₦80,000. Your total cash expected this week is now ₦280,000.
You only have 3 bags of rice left. You usually sell 10 bags by Friday. You need to restock soon.
View Receipt.pdf
Record sales via voice or text.
No complex ledgers. Just tell the bot what you sold, just like you're texting a friend. The system automatically categorizes it, updates your inventory, and logs the cash.
Track debtors without the drama.
"Mama Nkechi owes me 80k." That's all it takes. The bot tracks who owes you, how much, and can even send polite automated reminders via SMS when payment is due.
Real-time stock alerts.
Stop losing sales because you didn't realize you were out of stock. The bot calculates your average sales rate and warns you before you run out of your fastest-moving goods.
Generate instant PDF receipts.
Give your business a formal edge. Instantly generate professional PDF receipts and invoices with your business name, and send them directly to customers via WhatsApp.
How healthy is your business? Let's check.
A free, 3-minute diagnostic tool that tells you exactly where your cash is leaking and how to fix it before it becomes a crisis.
Take the Free Vitals CheckThe new standard for informal creditworthiness.
Traditional credit bureaus look for fixed salaries and formal collateral. The grassroots economy doesn't work that way. The Vitals Score evaluates the true health of an informal business across three critical pillars:
Cash Velocity
How fast money moves through the business. Measures inventory turnover against account receivables.
Supplier Dependency
Risk of supply chain collapse. Measures diversification of stock sources and reorder lag times.
Capital Retention
How much profit actually stays. Evaluates the ratio of revenue against daily operational leakage and dead stock.
It's not just data. It's survival intelligence.
Predictive Restocking
The system analyzes sales velocity to predict exactly when capital will be trapped in slow-moving goods versus when fast-moving goods will run out.
Micro-Debt Orchestration
Instead of bad debt piling up silently, the system tracks credit lines extended to customers and orchestrates automated, culturally-aware recovery nudges.
Digital Identity Bridging
Core translates raw WhatsApp chat logs into structured, verifiable financial statements that formal institutions can actually underwrite.
We do not compete with banks.
We give them eyes.
Crelligent Core operates a B2B2C model. We provide the intelligence layer for free to the grassroots economy. We monetize by providing de-risked, pre-qualified cohorts to institutional partners who want to deploy capital but lack the ground-level data to do so safely.
The Trader
Provides raw operational data via WhatsApp.
Crelligent Core
Structures data and generates Vitals Score.
The Partner
Deploys capital to de-risked cohorts safely.
Beyond the transaction.
Understanding the intent.
Standard payment gateways only see Layer 1: the transaction amount. They know money moved, but they don't know why.
Crelligent Core operates at Layer 7: the intent layer. We don't just know a trader received ₦40,000. We know it was for 5 bags of rice, sold to Mama Nkechi, and that she still owes ₦80,000. This is the difference between a simple ledger and true business intelligence.
Crelligent Core (Intent)
Item: 5 Bags Rice
Buyer: Mama Nkechi
Status: ₦40k Paid, ₦80k Debt remaining
Action: Triggered restock alert for rice.
Bank Ledger (Movement)
Transfer received from Opay account: ₦40,000
Payment Gateway (Raw)
The scale of survival intelligence.
An ecosystem of resilience.
For the Market Trader
- •Free WhatsApp business management.
- •Digital receipts and automated invoices.
- •Automatic debtor tracking & nudges.
- •A verifiable financial identity to unlock capital.
For Microfinance & Banks
- •Pre-scored, hyper-localized borrower cohorts.
- •API integration directly to the Vitals Score.
- •Lower acquisition and underwriting costs.
- •Drastically lower NPLs (Non-Performing Loans).
For FMCGs & Distributors
- •Real-time visibility into secondary and tertiary sales.
- •Predictive stock depletion and route optimization.
- •Direct-to-retailer micro-credit facilitation.
- •Data-driven product launch planning.
The grassroots economy is ready.
Are you?
Stop relying on guesswork. Partner with Crelligent Core to deploy capital with unprecedented visibility and structured survival intelligence.