MaliUP
MALIUP — YOUR PERSONAL AI FINANCIAL ADVISER

Your money. Your AI financial co-pilot.

Meet MaliUP. Your personal AI financial companion, built to help you manage debt, understand credit, plan bills, navigate tax, save smarter and explore investments.

Built around you

It learns about your financial circumstances and helps you make informed decisions as your life changes.

Explore MaliUP
A South African shop owner considering her finances with a phone and notebook at her shop counter
YOUR FINANCIAL LIFEOne connected picture.
PRODUCT VISION
Built around your circumstances
Your whole financial journey Built around your life Made for everyday South Africans

ONE CO-PILOT. YOUR WHOLE FINANCIAL LIFE.

One place to
understand your money.

From this month’s bills to your longer-term plans.
Designed to see how the pieces fit together.

An everyday South African scene illustrating bills & spending

YOUR FINANCIAL LIFE

Know what your money needs to cover.

Designed to bring your income, regular commitments and changing expenses into one picture, so you can plan around your life.

  • Bring income and commitments into view
  • Plan regular bills and changing expenses
  • Make room for upcoming costs

A CO-PILOT FOR EVERY CHAPTER

From where you are
to where you want to be.

Clarity today. Greater stability over time. Room to plan for your future.

01

Immediate clarity

A man reviewing his phone in a sunlit living room.

Understand where you stand.

Start with the life you’re living: what comes in, what needs covering and what you want to work through. Bring that picture into focus.

02

Growing stability

A shop owner looking at her phone behind the counter of her produce shop.

Make room for what comes next.

Connect everyday commitments with goals such as a savings buffer, clearer repayment plans and protection for the things that matter to you.

03

Longer-term future

A family sitting together with a notebook at their kitchen table.

Keep your future in the picture.

As your priorities evolve, revisit your goals, understand new questions and explore longer-term planning with your wider circumstances in mind.

A South African family considering their goals together with a notebook at their kitchen table
YOUR CIRCUMSTANCES. YOUR PRIORITIES.The bigger picture.
Your next move.

A MORE CONNECTED PERSPECTIVE

Financial guidance
built around you.

Your income, commitments and goals affect one another. MaliUP is designed to consider that wider picture and adapt as your life changes.

  1. 01

    Understand your wider circumstances.

    Designed to start with what you choose to share about your income, commitments, responsibilities and goals, so the conversation has context.

  2. 02

    Work through your options.

    Explore concepts in plain language, work through trade-offs and bring useful questions into focus. You stay in control of your decisions.

  3. 03

    Adapt as your life changes.

    Revisit the picture when work, family or priorities change, connecting each next step with the future you want to plan for.

Product previews are illustrative and provide general information, not personalised financial advice.

ILLUSTRATIVE PRODUCT PREVIEW

Ask MaliUP
about your money.

A useful conversation starts with your circumstances. Explore an example of how MaliUP could help you connect a money question with the rest of your financial life.

One decision. A wider perspective.

Bills, family responsibilities and future goals can belong in the same conversation.

Try a topic or type a question. These are prepared examples, not live AI-generated advice or an assessment of your finances.

A look inside MaliUP ILLUSTRATIVE PREVIEW
MaliUPYour AI financial co-pilot · Product preview

Hey there
What money decision is on your mind?

My income changes every month. How do I plan?
Let’s start with the month you actually have.

Some months bring in more than others. Start with the costs that still need to be covered, including the people who depend on you. Your responsibilities belong in the picture too.

What expenses do you need to cover every month?

Example responses · General financial education

BUILT FOR EVERYDAY SOUTH AFRICANS

A financial adviser
shouldn’t be a luxury.

Good financial guidance should be within reach, whatever your income, education or starting point.

MaliUP is for people who have never had access to a traditional financial adviser, and for anyone who wants to understand how today’s decisions fit into tomorrow’s plans.

Your life deserves a place in the plan.
South Africans of different generations pursuing their goals in a welcoming neighbourhood

YOUR NEXT CHAPTER, WITH MALIUP

Your financial future
starts with your next move.

Join the early access list for your personal AI financial co-pilot.
One companion for the financial life you’re building.

Built around you. You stay in control.