Run a Smarter Workforce on WhatsApp.
TrothFin brings personnel administration, automated onboarding, and payroll right inside a simple chat window. Give your frontline team a secure financial buffer with automated Earned Wage Access—eliminating manual advance tracking, lowering turnover, and protecting your cash flow.
- ✓ No app downloads required
- ✓ Fully secure & encrypted
- ✓ Built for Nigerian employers
TrothFin
online
Present Tunde, Ada
✅ Logged for today: Tunde Azuka, Ada Obi.
Token Tunde
Token generated for Tunde Azuka. Code: TF-48213. Valid all month.
TF-48213
How much would you like to withdraw? Reply with an amount between ₦5,000 and ₦10,000.
7,500
Please enter your secure 4-digit TrothFin PIN to confirm a ₦7,500 withdrawal.
••••
✅ Success! Your funds are on their way to your bank account.
Illustrative conversation.
Your whole people team, in one chat
Five things HR usually does on paper, spreadsheets and phone calls — now a text message away.
Module 1
Instant Onboarding & Welcome
Ditch the manual clipboards and messy paperwork. Upload your digital roster once, and your new hires simply text "Join" to the TrothFin line. The automated assistant collects their bank details, walks them through custom verification, and logs their profile securely.
Join
Module 2
Frictionless Leave Management
Employees can request annual, casual, or medical leave directly inside their daily WhatsApp thread. The request routes immediately to your employer portal for a one-click response, updating the team member instantly.
Leave annual 24/12 28/12
Module 3
1-Click Payroll & Reconciliation
Stop losing days to complex spreadsheet ledgers. Field teams log shifts via text, allowing you to instantly export verified monthly Excel summaries. The system automatically tracks days present, subtracts early liquidity advances, and generates error-free estimates for your accountant.
Present Tunde, Ada
Module 4
Instant Staff Broadcasting
Bypass notice boards and unread emails. Broadcast shift updates, safety notices, or urgent office announcements straight to your entire team's WhatsApp inbox. Track delivery rates in real-time with automatic opt-out handling.
Broadcast Office closes at 2pm
Module 5
Secure Separation & Offboarding
Manage team transitions cleanly and compliantly. Text-initiated resignations or terminations instantly revoke platform access. Active withdrawal privileges are immediately frozen, and any outstanding cash advances are automatically flagged for deduction from final payouts.
Offboard Tunde resign
The emergency-cash pipeline
Employer-controlled from start to finish — nothing is paid out that you haven't approved.
Supervisor Authorisation
Your field manager logs active shifts. When an eligible worker requests early wage access, the platform dynamically generates an Authorization PIN locked to that specific employee's identity, valid till month end, and reusable for as many withdrawals as their 50% salary cap allows.
Instant Payout to Any Nigerian Bank
From the designated cutoff date, the employee chooses their payout amount, inputs their Authorization PIN given by their employer along with a private 4-digit PIN inside WhatsApp, and funds arrive instantly in their bank account. All fees are shown clearly upfront before confirmation.
Automated Admin Rebate
Keep payroll running smoothly with zero employer cost. TrothFin coordinates the advance and returns a 10% administrative processing rebate back to your business dashboard on every completed transaction fee.
Simple pricing for your business
Priced by team size, billed monthly. No setup fees. Every plan starts with a 3-month free trial.
Foundation
1 – 15 employees
3 months free trialthen ₦15,000/month
Momentum
16 – 30 employees
3 months free trialthen ₦25,000/month
Pinnacle
31 – 45 employees
3 months free trialthen ₦40,000/month
Custom
46+ employees
3 months free trialthen a tailored price
More than 100 staff? We'll work out a plan that fits — talk to us.
FAQ
Is Earned Wage Access a loan? +
No. It's not a loan. No interest, no debt. Just your own salary—paid in real time.
When can staff withdraw, and how much? +
From the 15th of each month, against a code their employer issues — the employee then chooses an amount between ₦5,000 and ₦10,000 each time, and can withdraw repeatedly against the same code until they reach 50% of their monthly salary. Codes expire at the end of the month.
Who pays the withdrawal fees and subscriptions? +
Standard monthly subscriptions cover employer HR tools. Emergency withdrawals incur a low, flat processing fee paid by the employee, with zero interest to ensure compliance.
Does my team need a smartphone or data plan to use this? +
If they can access standard WhatsApp, they can use TrothFin. There are no heavy mobile applications to install, no storage space issues, and no complex training required.
How do we get started? +
Register your business, we activate it after a quick review, then upload your staff roster. Each person finishes their own setup in WhatsApp.
More questions? Talk to us →
Ready to run a smarter workforce?
Register your business in minutes. We'll activate it after a quick review, then you can upload your roster.
TrothFin is operated by TROTHFIN LIMITED (RC 9818424), a company registered in Nigeria.