01Capabilities

What we build

Two products and two ways we build, organised around the problem you arrived with. MARTHA runs customer operations, ZFAI gives you financial truth, agent deployments cover the work no product fits, and Cognito Digital connects and operates the systems underneath all of it.

Three layers of the intelligence stack, separated

02Start where it hurts

Customer operations

Resolve customer issues across WhatsApp, web, email and voice — without scaling support headcount linearly.

MARTHA

Financial operations

Turn fragmented transactions and financial activity into one trustworthy, real-time operating view.

ZFAI

Work no product fits

Put an AI agent on the judgement-heavy process that is specific to your business — built around your operations, and run in production rather than handed over.

Agent deployments

Business transformation

Replace disconnected tools and manual workflows with one integrated operating system that Cognito continues to run.

Cognito Digital

Fig. 01 — Channel resolutionEvery channel in. Almost all of it out, resolved — at Zap Africa.

03Customer operations

Resolve customer issues across WhatsApp, web, email and voice — without scaling support headcount linearly.

Product — MARTHA

Cognito Prime

Who it’s for

COO
Head of Customer Experience
Support Director

Try Martha Free

MARTHA is an AI resolution engine for operational customer support. Not a chatbot. Not a helpdesk. An intelligent system that understands customer intent, detects sentiment, speaks their language, and resolves issues in real time. Named after Moore Dagogo-Hart's sister, because she loves to talk.

What’s breaking today

Your support team is drowning. Response times stretch to hours or days. Customers churn before anyone replies. Hiring more agents costs more than the revenue they save. And existing tools like Intercom still need humans to do the actual work.

Evidence

30-second response, down from 30 hours
91.7% resolved without human intervention, in production at Zap Africa
60–90% reduction in support cost

What it does

01
30-Second Resolution
Response time drops from 30 hours to 30 seconds. AI resolves 91.7% of tickets without human intervention, measured in production at Zap Africa.
02
Omnichannel Support
Website chat, email, WhatsApp, voice, SMS, Telegram, Slack — every channel your customers use.
03
African Language Support
Nigerian Pidgin, Hausa, Yoruba — not just English. Built for how Africans actually communicate.
04
Empathy Stack
Detects intent, language, sentiment, and frustration level. De-escalates in real time.
05
Works Alongside Intercom
Not a replacement. MARTHA handles the volume, Intercom handles the complex. Reduces cost, not tools.
06
Voice Note Processing
Understands voice notes on WhatsApp. Few support tools handle this at all.
07
5-Minute Integration
Widget script or API. Live in 5 minutes, not 5 weeks.
08
Low-Bandwidth Optimized
Works on slow connections. Designed for African network realities.

Supported channels

Website Chat
Email
WhatsApp
Voice
SMS
Telegram
Slack

+ African language support: Nigerian Pidgin · Hausa · Yoruba

Why MARTHA is different

WhatsApp-native — the channel most global tools still treat as an afterthought
$16/month against $150+/month for the global alternatives

Pricing

Starter

$16/mo

N20,000

For small businesses getting started with AI support

500 conversations/month
2 channels
Basic analytics
Email support

Team

Popular

$65/mo

N100,000

For growing teams with multi-channel needs

2,500 conversations/month
All channels
Advanced analytics
Priority support
Custom training

Pro

$250/mo

N370,000

For businesses that need full AI operations

Unlimited conversations
All channels
Full analytics suite
Dedicated support
Custom integrations
SLA guarantees

Enterprise

Custom

For large organizations with specific requirements

Everything in Pro
On-premise deployment option
Custom SLA
Dedicated account manager
White-label option

Fig. 02 — Transaction to truthFive sources, one reconciled view. Exceptions surfaced, not dropped.

04Financial operations

Turn fragmented transactions and financial activity into one trustworthy, real-time operating view.

Early access

Product — ZFAI

Cognito Prime

Who it’s for

CFO
Finance Director
Fintech operator

Request Early Access

Financial intelligence that sees across every account, wallet, and transaction stream. ZFAI reconciles transactions scattered across systems, surfaces exceptions, and delivers financial truth in real time. Found $25,000 in forgotten wallets in its first week.

What’s breaking today

Your finances live in 10 different systems. Your accountant reconciles manually. Transactions slip through cracks. You discover discrepancies weeks or months later. The financial truth is always delayed, always incomplete.

Evidence

ZFAI has no deployment metrics yet. We report what it changed once there are enough deployments behind it to do so honestly — borrowing another system’s figures would describe a different piece of work.

6 components

01
PULSE — Data Ingestion
Connects to every account, wallet, and payment system. Pulls transaction data in real time.
02
LEDGER — Normalization
Standardizes data from different formats, currencies, and systems into a single ledger.
03
ENGINE — Classification
AI-powered transaction categorization. Learns your business patterns over time.
04
LAZARUS — Transaction Matching
Resurrects dead financial data. Matches transactions across systems that were never connected.
05
SENTINEL — Exception Detection
Flags anomalies, discrepancies, and suspicious patterns before they become problems.
06
BEACON — Reporting
Real-time financial dashboards. The truth about your money, updated continuously.

Pricing

Early Access

Popular

Free

Be among the first to experience financial truth

Full feature access during beta
Direct feedback channel
Priority onboarding
Founding user pricing when launched

05Work no product fits

Put an AI agent on the judgement-heavy process that is specific to your business — built around your operations, and run in production rather than handed over.

Engagement — Agent deployments

Cognito Prime

Who it’s for

COO
Head of Operations
Founder

Talk to Us About Your Operation

Some operations are too specific to buy off the shelf. We build the agent around the work — your systems, your vocabulary, your escalation rules — and run it in production rather than handing over a prototype. It is the engine behind MARTHA, pointed at a problem MARTHA was not written for.

What’s breaking today

You have a repetitive, judgement-heavy process that no product on the market fits. It runs on people reading the same things and making the same calls, it does not scale with headcount, and the tools you have tried assume a workflow you do not have.

Evidence

Agent deployments has no deployment metrics yet. We report what it changed once there are enough deployments behind it to do so honestly — borrowing another system’s figures would describe a different piece of work.

What it does

01
Built on your operations
The agent is scoped to your actual process — the systems it reads, the decisions it may take, and the point where it must stop and ask a human.
02
Connected to what you run
It works against the systems already holding your data rather than requiring you to move into a new one.
03
Explicit escalation
Every deployment defines what the agent does not decide. Automation without a defined boundary is how trust is lost early.
04
Measured after launch
Resolution, escalation and handling time are instrumented from day one, so the effect is observable rather than asserted.
05
Run, not handed over
We stay responsible for the agent in production — retraining, adjusting boundaries, and reporting on what it did.

How engagements work

Priced per agent, against one process. We scope the work the agent will own, agree what it is not allowed to decide before anything is built, and quote against that. If the boundary cannot be drawn, the deployment is the wrong shape and we say so.

Fig. 03 — Operating architectureThe same systems you already own, on one spine.

06Business transformation

Replace disconnected tools and manual workflows with one integrated operating system that Cognito continues to run.

Engagement — Cognito Digital

Cognito Digital

Who it’s for

Founder
CEO
COO
Transformation lead

Talk to Us About Your Business

We build it, we run it, we stay. Cognito Digital connects the tools, data and workflows your business already depends on into one operating layer — then stays on to run and improve it, rather than handing it over. Website, e-commerce, events, ticketing, social presence, support automation: integrated as one system, not shipped as a package. Where they fit the engagement, MARTHA and ZFAI are deployed alongside it. For businesses that cannot accept international payments directly, it also stands up cross-border payment collection that settles in local currency.

What’s breaking today

Your business runs on disconnected tools, manual processes, and scattered data. Customer inquiries slip through cracks. Operations depend on who happens to be online. Growth means hiring more people instead of building better systems.

Evidence

Cognito Digital has no deployment metrics yet. We report what it changed once there are enough deployments behind it to do so honestly — borrowing another system’s figures would describe a different piece of work.

What it does

01
Complete Digital Presence
Website, e-commerce, social media — every customer touchpoint designed and connected.
02
Operations Automation
Support, ticketing, events, scheduling — automated workflows that run without you.
03
Intelligence Layer
Analytics and decision tools from day one, with MARTHA or ZFAI deployed where the engagement calls for them.
04
Ongoing Partnership
Not a handoff. We manage, iterate, and optimize your digital infrastructure continuously.
05
African Market Expertise
Built for Nigerian payment systems, WhatsApp-first communication, and mobile-dominant users.
06
Data Integration
Every tool connected. Every data point flowing to where decisions are made.
07
Payments & Revenue Infrastructure
For eligible businesses, collect customer payments through supported global and local channels, apply the agreed revenue split, and settle proceeds in local currency (NGN, GHS, KES…).

How engagements work

Transformation is scoped, not packaged. We start with the diagnostic, agree the first intervention and the measure it will be judged on, then price the engagement against that. Cognito stays on to operate what it builds.

07The expertise flywheel

Compounding intelligence.

Every engagement makes us sharper. MARTHA builds richer conversation flows, ZFAI learns more reconciliation patterns, and Cognito Digital compounds what it knows about how African businesses actually run.

Your data stays yours — what compounds is our domain expertise and the models we build ourselves.