Simplicity is Respect
We obsess over making every screen, and every action as simple as possible because you have enough to think about.
Built for the People Other Apps Left Behind
Most financial apps are built for people who already have a stable financial foundation, a regular salary, a credit history, a bank account that's never overdrawn. Those apps work well for the people they were designed for.
What We Believe
Guidance Over Data
Paver is designed to guide you and to suggest the next right step for you, not just display a number.
Built for Inclusion
Paver is built to feel familiar, trustworthy, and easy to use to people from every background in America.
Tolulope Ogunmakinwa is a fintech product strategist and technologist with experience designing and scaling digital financial products for underserved markets across Nigeria and the United States. She holds a Master of Science in Computer Information Systems from Prairie View A&M University with a 4.0 GPA, and professional certifications including PMP and PSM.
She is the founder of Paver, an AI-driven personal finance platform built specifically for unbanked and low-income populations in the United States. Her work sits at the intersection of artificial intelligence, behavioral design, and financial inclusion.
Tolulope Ogunmakinwa
Founder, Paver
Yes. Paver is free to download and free to use. We don't charge you to budget, save, or access the Learning Hub. There are no hidden fees and no subscription required to get started.
No. You can use Paver without a bank account. Track cash, gig payments, and any other income by adding it yourself — Paver works with however you get paid.
No. Paver never runs a credit check, and signing up has no effect on your credit score.
Paver is being built for both iPhone and Android smartphones. Join the waitlist and we'll let you know as soon as it's available for your device.
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