Loading the book
AI agents for FMCG distribution
Mimi is a team of AI agents on WhatsApp. It collects what shops owe, catches leaks on the route and shows brands what really sold. Shops use it free.
01 / Choose your path
Pick your lane. We handle the rest.
02 / The problem
Debts live in notebooks and WhatsApp threads. Nobody has the full picture.
The screenshot says paid. The bank says no.
They see what distributors bought, not what shops sold.
In the chat · Illustrative example
Read 3 lines:
6 × ₦3,800 = ₦22,800. The invoice says ₦24,800.
₦2,000 overcharge
08:15Send a photo of the stock book on WhatsApp. Write it your way.
Item, quantity, price and total, sent back clean.
When the numbers disagree, Mimi shows the gap, with the evidence.
03 / How it works
Mimi checks each payment against three sources that don't share a story.
What left the van.
What arrived, confirmed in one tap.
What landed, verified with the payment partner.
When they disagree, Mimi shows the gap, with the evidence.
Illustrative example
No matching credit on the statement. Goods stay on the van.
The console
Every shop, every rep, every naira owed. Mimi drafts the work, you approve it.
04 / Meet the agents
They never clock off.
Gets money in without the phone calls.
Catches leakage on the van before it becomes a loss.
Your whole business in one WhatsApp message each morning.
Takes orders the way shops already send them.
Helps you decide who gets credit, and how much.
Clears the paperwork from your inbox.
05 / Trust
It confirms and reconciles. Money settles to the distributor's own account.
Emails to manufacturers, brands and banks stay drafts until the owner approves.
Everyday shop messages run on rules the distributor sets.
Each distributor sees only its own products and payments, with consent. Nobody sees a shop's profit, its customers' debts or competitor sales.
“Shops shouldn't need an app or a laptop to be bankable. Their daily trade should be enough.”
06 / Start small
Four weeks, up to 20 shops, free.
For distributors
Mimi runs on WhatsApp. It reminds shops what they owe, confirms every transfer with the bank, and checks each van against what shops say they received. You get paid sooner and see every gap before the day ends.
Shops get their balance and their own account number on WhatsApp, and you see the money the moment it lands.
Every payment is confirmed with the payment partner before goods leave.
Van stock, cash and transfers matched to what shops confirmed, with gaps flagged and proof attached.
The agents
Gets money in without the phone calls.
Catches leakage on the van before it becomes a loss.
Coming Ghost-visit checks from location pins. Cash-carry safety.
Your whole business in one WhatsApp message each morning.
Coming A 60-second voice brief in English, Yoruba, Hausa or Igbo. Apprentice mode, with limits, while the owner travels.
Takes orders the way shops already send them.
Helps you decide who gets credit, and how much.
Clears the paperwork from your inbox.
Payments
Each shop gets its own account number.
With every order or reminder.
Before Mimi says anything. No screenshots.
And the debt book updates itself.
The pilot
Up to 20 shops.
Through a WhatsApp link or QR code.
Mimi learns and sends nothing to reps.
Reports, reminders and route checks switch on. Then you decide.
If month one finds less than it costs, month one is free.
FAQ
Ask away.
No. They keep using WhatsApp.
Never.
The shop.
No. Payments settle straight to your own account.
Yes. Pro includes exports and an API.
Up to 20 shops, four weeks, no cost. If month one finds less than it costs, month one is free.
Pilot pricing · per active shop · per month · to be confirmed with pilot distributors
Shops always use Mimi free.
Starter
₦1,000/shop
Minimum ₦50,000 a month
Growth Most popular
₦1,500/shop
Minimum ₦75,000 a month
Pro
₦2,500/shop
Minimum ₦150,000 a month
Flat monthly, after the pilot.
Priced separately. Start by sponsoring a pilot.
Always free.
Money saved
Put in your numbers. See what stops leaking, next to what Mimi costs.
Pilot
4 weeks, up to 20 shops, Growth features included. Free.
Start small.
For brands
Mimi turns consented shop books across your distributors into weekly sell-through, promo proof and claims you can trust.
The problem
The agents
Coming Street price watch.
How brands start
You sponsor a pilot on one of their routes.
Their money and their route, checked.
Shop by shop, every week.
Consent
Data only from shops that said yes, only for your own products.
FAQ
Never.
Real deliveries, verified payments and shop stock counts, with each shop's consent.
Mimi is free for shops, always.
Start small
One distributor, one route, real sell-through.
For shops · Free
Mimi lives in WhatsApp. Snap your book, forward an alert, send a voice note. Free for shops, no app to download.
Ask your distributor for their Mimi link or QR code.
Six jobs
Snap the page and Mimi reads every line.
When you pay your distributor, Mimi confirms the money landed.
Mimi watches what sells fast.
Approve it and your distributor sees it right away.
A simple debt book, with gentle reminders.
Every Monday: what sold, what's slow, what came in.
Your data
English, Yoruba, Hausa or Igbo. Text or voice note.
FAQ
No. Mimi is free for shops.
Any phone with WhatsApp works.
No. Write it your way and snap the page.
Yes. Send STOP any time.
Legal
Mimi is a service of Rail Technology Concepts Ltd, trading as Rail Money, RC 9322751, of No 8 Ifeoluwa Street, Nova Road 7, Ado-Ekiti, Ekiti State, Nigeria. “We” and “us” mean Rail Technology Concepts Ltd.
Mimi is a set of AI agents on WhatsApp. They:
Mimi is not a bank and does not lend. Payments are processed by licensed payment partners and go straight to the receiving business. We hold no customer balances.
You must be 18 or older.
Mimi is free for shops. You are responsible for the records you send.
Payment checks reduce risk but are not a guarantee. Check large amounts before you release goods.
Billing is monthly, per active shop connection, with a monthly minimum set in your order form. Pilots are free for 4 weeks unless we agree otherwise in writing.
You see only data that shops have approved, and only for your own products.
You must not:
Shops own their records. A shop can send STOP at any time. How we handle data is set out in our Privacy policy.
Mimi depends on WhatsApp and on our payment partners, so we cannot promise it will always be available. We will tell you about material changes to the service.
We are not liable for indirect losses, lost profit, or goods released on a payment that later fails.
Our total liability to a distributor is limited to the fees it paid us in the 3 months before the claim.
A shop can stop at any time by sending STOP. Distributors and brands can end their use under the terms of their agreement. We may suspend or end access for anyone who breaks these terms.
These terms are governed by the laws of the Federal Republic of Nigeria.
Questions about these terms: contact@miriam.africa
Legal
Rail Technology Concepts Ltd, trading as Rail Money, RC 9322751, is the data controller for Mimi.
From shops:
From distributors:
From brands: contact details. Brands receive only data that shops have consented to share.
To run Mimi and keep it secure. We never sell personal data.
Under the Nigeria Data Protection Act 2023 we rely on:
Data is encrypted in transit and at rest. Access is limited by role.
You can:
Mimi is not for anyone under 18.
We will post changes to this policy here and update the date above. We will tell you about material changes.
Privacy questions or requests: contact@miriam.africa. See also our Terms of use.
Trust
01 / Four rules
It reads alerts and drafts reminders. Payments stay between you and your bank.
A shop can see, export or delete its data any time.
Each shop chooses who sees its data, one distributor or brand at a time, and can switch it off.
Brand dashboards show area totals and trends, with no shop names or money owed unless a shop opts in.
02 / Approvals
Emails to brands and banks, credit changes and reminders stay as drafts until the owner approves them in Approvals.
Distributors set every credit limit. Mimi only suggests.
03 / Data handling
Security practices are being finalised during pilots. Ask us for details.
04 / Questions
We answer every privacy and security question.
Rail Money is now Mimi
Rail Money started as an AI money app for people. Today we build Mimi, a WhatsApp assistant for Nigerian shops and the distributors that supply them.
01 / Why we changed the name
We spent our time with shop owners and distributors. Their biggest problem wasn't saving money. It was the notebook: stock that doesn't add up, credit nobody can track, and fake transfer alerts that walk goods out of the shop.
Rail Money sounded like a bank. We don't hold or move anyone's money. Mimi sounds like what it is: a helper you text on WhatsApp.
02 / What Mimi does
Send a photo of the stock book, an invoice or a delivery note, or just a voice note. Mimi turns it into clean records.
Mimi checks payment screenshots before the goods leave the shop.
With the shop's consent, distributors and brands see what is moving and which shops need restock.
03 / What stays the same
RC 9322751. Mimi is built by the same company, in Nigeria.
Distributors and brands pay. No new app to learn. Just WhatsApp.
Questions about Rail Money or Mimi still reach us here.
04 / What's next
About
Mimi is built by Rail Technology Concepts Ltd.
01 / Why Mimi
Distributors run on notebooks, WhatsApp and memory: who owes what, which shop took which carton, whether that transfer alert is real. Brands see what left the warehouse, not what sold.
Mimi puts the route, the shop and the money in one book that all three can trust, with AI agents that work inside WhatsApp, where the trade already happens.
02 / What we believe
WhatsApp, not another app.
Agents draft, people approve.
Each shop chooses who sees its book.
03 / Team
Founder
Self-taught engineer building AI agents for African commerce.
04 / Start small
Pilot
Tell us about your routes. We'll reply within two working days.
Thanks. Your email app should open with your details. Send it and we'll be in touch.
Blog
What we're learning building Mimi with distributors, brands and shops in Nigeria.
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