Terms of Service

IRYX is operated by IRYX LTD, registered in Nigeria with the Corporate Affairs Commission.

Registered name

IRYX LTD

Company type

Private company limited by shares

Registration number

RC 9779602

Date of incorporation

17 August 2026

Governing statute

Companies and Allied Matters Act 2020

Registered office

No. 5 Dada Street, Bosso LGA, Minna, Niger State, Nigeria

Contact

info@getiryx.com

IRYX LTD is a technology company. It is not a bank, and it does not hold a Central Bank of Nigeria licence. Registration with the Corporate Affairs Commission is company registration, which is a different thing, and the two are easy to confuse.

Money is held and moved by licensed payment providers, not by IRYX. What IRYX provides is the assistant you talk to, and the software that instructs those providers on your behalf once you have confirmed with your PIN.

IRYX has not launched. The waitlist is open, no accounts are live, and no money is being moved for members of the public. When that changes we will say so on this site and in WhatsApp. Nothing on this site is an offer of a live financial service today.

When it launches, IRYX lets you send money to Nigerian bank accounts and wallets, pay bills, buy airtime and data, check your balance and review your spending, by messaging in WhatsApp. Every transaction requires your 4-digit PIN. The assistant reads what you mean, but it never authorises a payment on its own.

• Keep your PIN to yourself. Anyone with it can move your money.
• Keep control of the phone number registered to your account, and tell us immediately if you lose it or believe someone else has access.
• Check the recipient name IRYX shows you before you confirm. Once a transfer completes it cannot be reversed by us.
• Give accurate information during identity verification.
• Do not use IRYX for anything unlawful.

Creating an account is free. Transaction fees, where they apply, will be shown to you before you confirm anything, in the same message that asks for your PIN. We will not deduct a fee you were not shown.

A transfer can be cancelled at any point before you enter your PIN, by replying cancel. After that it is submitted to the payment network and cannot be recalled by us.

If a transfer fails, the amount is returned to your IRYX balance automatically. If money leaves your balance and does not arrive, contact us and we will trace it with our payment provider.

Bill payments, airtime and data cannot be refunded once they succeed. Electricity tokens in particular are tied to the meter they were bought for and are worthless on any other meter, which is why IRYX shows you the account holder name before you confirm. Check it.

You can freeze your own account at any time. We may also suspend an account where we reasonably suspect fraud, where we are required to by law or by a payment provider, or where the account is being used unlawfully. Freezing stops money leaving. It does not stop money arriving.

We will run IRYX carefully, but we do not promise it will be available without interruption. We are not responsible for failures of the WhatsApp platform, of a bank, or of a payment provider, or for losses caused by someone else obtaining your PIN.

Nothing in these terms limits any right you have under Nigerian law that cannot be limited by agreement.

These terms are governed by the laws of the Federal Republic of Nigeria, and the Nigerian courts have jurisdiction over any dispute.

Write to info@getiryx.com. We aim to reply within one business day.