But penny isn’t available in Nigeria is that intentional?

Really glad to hear that you’re interested in Penny! Unfortunately, we don’t have immediate plans to expand beyond the US because we’re a very small team (two people, as of this writing) and don’t have the necessary bandwidth at this point. The transaction aggregator that we use (Plaid) also doesn’t support international banks yet, which means Penny wouldn’t be able to automatically fetch your transactions. 😔

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