One platform.Every system.Zero chaos.
Finance, HR, Payroll, Inventory, POS, CRM, Accounting, Projects, Recruitment, Helpdesk, Expenses, and Behavioral AI — 15 modules in one intelligent OS. Moatwave doesn't just manage your business. It sees the inconsistencies, the ghost workers, the silent leakages, and the performance gaps your other tools never could.
No credit card · 5-minute setup · Cancel anytime
Net Revenue
₦2.4M
+23% MoM
Payroll
₦4.18M
34 staff paid
MID Avg
87
A-tier avg
Revenue · 12 months
2026Active Staff
34 members
April Payroll
Completed
MID Score
87
/100
Argus AI
“Revenue up 23% MoM — strongest quarter yet.”
The problem most tools ignore
Cameras show you what's
in front of them.Moatwave shows you everything else.
The real damage in most businesses is invisible — it lives in payroll errors, ghost attendance, stock that vanishes without a sale record, and staff whose performance is declining with nobody noticing. Moatwave is built specifically to surface these hidden inconsistencies.
Ghost Workers & Proxy Clocking
Up to 23% of staff attendance records in Nigerian SMEs contain inconsistencies.
Staff clocking in from home, asking colleagues to clock in for them, or disappearing after sign-in. Moatwave's GPS-verified clock-in eliminates this entirely — location and timestamp are captured and stored for every single clock event.
Payroll-Attendance Disconnect
Payroll errors cost businesses an average of 1–2% of their total salary spend monthly.
When payroll and attendance live in separate tools, errors hide in the gaps. Moatwave's payroll reads directly from verified attendance records — deductions for absences, late arrivals, and unpaid leave are computed automatically.
Inventory Shrinkage & Financial Leakage
Retail shrinkage costs Nigerian businesses billions in untracked stock loss every year.
Products leaving without matching sales, expenses recorded loosely or not at all, duplicate payments slipping through. Every POS sale on Moatwave auto-deducts inventory and records revenue — so every unit is accounted for.
Performance Blind Spots
Staff whose output is quietly declining. Conduct issues building up with no documentation. Moatwave's 14-day MID cycle scores every staff member on verified data — attendance, tasks, conduct, and consistency — so no decline goes unnoticed.
Anomalies No One Was Looking For
Sudden cashier session gaps. Staff clocking in from the wrong GPS location. Transactions with no matching inventory movement. Moatwave's anomaly detection engine runs 6 rule-based checks continuously and flags irregularities the moment they appear.
Most SMEs manage 4–6 disconnected tools daily — and pay for the inconsistencies with time, money, and trust.
The problem we solve
Running an African
business is complex
enough as it is.
It's the invisible inconsistencies — the payroll that looks right but isn't, the staff member whose performance is slipping below the radar, the inventory shrinkage nobody noticed, the cashier session gap that no camera caught. Moatwave surfaces what your disconnected tools never could.
Staff clocking in from wrong locations or having colleagues do it for them
Payroll that doesn't read real attendance — silent errors compounding every cycle
Cash and inventory leakage that cameras and spreadsheets never catch
Staff performance tracked on gut feeling, not verified 14-day behavioral data
Finance, expenses, and invoicing siloed across three or more tools
Branch managers operating blind while HQ makes decisions with incomplete data
No AI assistant with access to your real business data — just guesswork
Unified data architecture
Every module feeds
the same source of truth.
Unlike disconnected tools that each hold isolated data, Moatwave's modules are natively wired together. Every action in one module updates every other module — in real time.
GPS Clock-In
Attendance
HR & Leave
Finance
POS Sales
Inventory
All data flows into
MID Score & Behavioral Data
A composite integrity score built from real verified activity — not estimates
Monitored and interpreted by
Argus AI
Platform-wide intelligence — monitors everything, surfaces what matters, alerts you before problems grow
GPS-Verified Attendance
Clock-in that actually
proves you're
there.
Traditional clock-in systems are trivially gamed. Moatwave captures the staff member's GPS coordinates at every clock-in and clock-out event, verifies they are within the permitted radius of the workplace, and stores the location permanently on the record.
Finance & Payroll
Numbers that actually
add up.
Moatwave's finance module is connected to every other part of the platform. POS sales auto-record as revenue. Inventory purchases update expenses. Payroll pulls directly from verified attendance. And Argus AI monitors your P&L in real time, surfacing anomalies and trends the moment they appear.
Behavioral Intelligence · MID Scoring
Stop guessing who
your best people are.The data already knows.
Every 14 days, Moatwave builds a Management Intelligence Dashboard (MID) score for every staff member — a composite calculated from real GPS-verified attendance, completed tasks, conduct logs, and consistency metrics. No subjectivity. No gut feel. Just evidence.
14
Day Cycle
📋
92%
Attendance
✓
18/20
Tasks done
🛡
0
Conduct flags
MID Scoring
Each staff member receives a Management Intelligence Dashboard score — a composite built from GPS-verified attendance, task completion data, conduct entries, and consistency metrics. No estimates. No bias.
14-Day Cycles
Evaluation windows run continuously in 14-day cycles. At cycle end, scores are computed, tiers (A/B/C/D) are assigned, and full trend histories are logged. Everything is automatic — zero manual input.
Anomaly Detection
Six rule-based checks run continuously: ghost attendance, cashier session gaps, sudden score drops, misconduct clusters, location violations, and task abandonment. Flags appear the moment a pattern emerges.
Performance Trends
Track every staff member's behavioral arc across every cycle — who is improving, who is declining, and where to intervene. The data is there, permanently, for every review, promotion, or disciplinary decision.
Integrated POS Terminal
A POS system that's
actually part of
your business.
Most POS systems are isolated — they process a sale and stop there. Moatwave's POS is natively wired to inventory and finance. Every sale automatically deducts stock, records revenue in the P&L, and logs the cashier's session for behavioral accountability.
Argus AI · Platform Intelligence
Not just a chatbot.
Your entire platform, watching.
Argus AI is connected to every module on the platform simultaneously — finance, HR, attendance, inventory, POS, payroll, and behavioral data. It doesn't wait for you to ask. It monitors continuously, surfaces anomalies proactively, and gives you a plain-English picture of your entire business at any moment.
Daily business brief
Revenue, tasks, alerts — every morning
Proactive anomaly alerts
Flags issues before they become problems
Inventory insights
Low stock, fast sellers, expiry warnings
Staff performance view
Behavioral trends across all cycles
Financial analysis
P&L trends, overdue invoices, spend patterns
Branch comparison
Which location is outperforming and why
Argus AI
● Online · Monitoring all modules
Staff Management
HR that actually
talks to the rest
of your business.
Most HR tools are standalone — they store staff records in isolation. Moatwave's HR is the backbone of the entire platform. Staff profiles feed into payroll, attendance feeds into behavioral scoring, leave requests update scheduling, and disciplinary records become part of the MID score — all without any manual data transfer.
Inventory · Finance Integration
Every product sold
updates your books
automatically.
Moatwave's inventory is not a standalone stock list. Every POS sale deducts from inventory in real time. Every purchase order updates stock levels and records an expense. Argus AI monitors movement patterns and alerts you to low stock, slow sellers, and expiring products before they become a problem.
POS sale → auto stock deduct
No manual updates ever
Purchase order → expense
Linked to finance automatically
Low stock alerts
Before you run out
Expiry date tracking
Alerts 14 days before
Inter-branch transfers
Move stock between locations
AI inventory insights
Fast sellers, dead stock, restock
Payroll
Run payroll for your
entire company in
under 5 minutes.
Moatwave reads verified attendance, computes PAYE and pension, generates payslips, and prepares a bulk disbursement file — all in one run. One click. Every staff member paid correctly.
Attendance pulled
Verified GPS clock-in/out data is read automatically — absences, late arrivals, and leave deductions included
PAYE computed
Tax and pension deductions calculated per Nigerian law — no spreadsheet formulas needed
Payslips generated
Every staff member's payslip is produced instantly — accessible in their self-service portal
Bulk export ready
One-click export for bank disbursement — all salaries in a single transfer batch
Done
Complete payroll history, audit trail, and MID data updated — in under 5 minutes
By the numbers
0+
Companies
actively using the platform
0+
Staff Records
managed on the platform
₦0M+
Revenue Tracked
processed through the platform
0%
Uptime SLA
guaranteed reliability
Why Moatwave
Every other tool
is only part of the picture.
Whether you're comparing to global ERPs, standalone tools, or other African software — Moatwave is built differently, for a different purpose.
| Capability | Moatwave | QuickBooks / Xero | SAP / Odoo | Separate tools |
|---|---|---|---|---|
| Behavioral integrity scoring (MID) | ||||
| GPS clock-in with location verification | ||||
| Anomaly detection (6 rule types) | ||||
| AI connected to live business data | ||||
| Naira-native payroll (PAYE & pension) | Partial | |||
| Inventory auto-linked to POS & finance | Partial | |||
| All-in-one — no app switching | ||||
| 14-day behavioral cycle management | ||||
| Multi-branch HQ consolidated view | Partial | |||
| Built for African SMEs & pricing |
The future of workforce accountability
MID will become
how Africa hires.Starting now.
Today, a hiring manager asks for references and checks a CV. Tomorrow, they will ask for a MID history — a verified, data-driven behavioral record built across real employment cycles. Moatwave is building the infrastructure that makes this possible.
Verified behavioral records, not hearsay
MID scores are built from system-logged data — attendance, tasks, conduct, consistency. Impossible to fabricate.
Trend history across every employer
As Moatwave grows, staff who move between companies carry a behavioral track record that future employers can rely on.
A new standard for workforce accountability
Organisations across Nigeria and West Africa are already using MID to evaluate, manage, and promote with data — not politics.
87
MID Score
A-tierHalima Yusuf · 14-day cycle · Day 9/14
Future hire check
MID verified ✓
12 cycles · A-tier average
What businesses say
Moatwave replaced 4 tools we were juggling. Payroll that took 2 days now runs in 20 minutes flat.
Adaeze Okonkwo
CEO, BrightPath Logistics
Pricing
Simple plans.
Serious results.
Every paid plan includes a 14-day free trial — just a ₦100 card verification.
Starter
- 3 staff · 1 cashier
- Basic finance & payroll
- POS terminal
- Inventory (12 items)
- Argus AI (1 call/mo)
Business
- 25 staff · 3 branches
- Finance & invoicing
- Full HR, payroll & scheduling
- Behavioral records & MID
- Argus AI (20 calls/mo)
Growth
- 60 staff · 8 branches
- Anomaly detection
- Advanced MID scoring
- Direct bank transfer payroll
- Argus AI (60 calls/mo)
Enterprise
- 150 staff · 20 branches
- Client recurring billing
- Full audit logs & API access
- Argus AI (200 calls/mo)
Bespoke
- Unlimited everything
- Full API & webhooks
- Dedicated account manager
- Custom add-ons & SLA
Your business deserves
better tools.
Join 37+ companies already running smarter with Moatwave.
Full Business plan access — free for 14 days.