Hero flow — grouped by the screen you open (do the sub-steps in order)
Screen A · Web chat · steps 1–3
Open the DIPO web chat
One page, three moves — run them in sequence from the widget.
- 1Deflection & language. Pidgin auto-detect, mid-chat code-switch, refusal + content-gate, and a live status lookup ("did my payment go through? INV-001").
- 2Warm handoff → live chat. "Connect me to a person" hands off to the DIPO-Zenith agent with a context card + Suflör (Suggest reply · Summarize · Compliance watch).
- 3"Call me" → voice callback. DIPO rings back in English, remembers the web session, reads exact figures, pushes a WhatsApp summary during the call, closes in one turn. (Screen D below can launch the same call.)
Open the DIPO page →
Screen B · Bank-app embed · step 4
Open the Zenith bank app
The same DIPO, embedded natively inside a partner bank's mobile app.
- 4Yorùbá payment-retry. Tap the in-app DIPO banner, then ask in Yorùbá about a failed payment (INV-002). DIPO explains the bank decline (not the Offer) and the retry path — in Yorùbá.
Open CBOT Bank Mobil →
Screen C · WhatsApp · step 5
The same DIPO on WhatsApp
The channel most Nigerians already open every day — no app to install, no account to make.
- 5Ask anything, in any of 16 languages. One brain, one context — the same DIPO as on the web: a question started on the web can be finished on WhatsApp, word for word, and DIPO does not make you repeat yourself.
- 5Proactive push. Payment confirmed, allotment published, the Offer brochure — all sent as approved templates, so they arrive independently of the 24-hour window.
Live phone on speaker
Screen D · Live phone · step 6
Have DIPO ring a phone
The voice channel — best-of-breed latency, and it already knows who is calling.
- 6Voice callback. Put a number in the panel below and DIPO rings it. It opens with “You asked me to call about INV-001 — is that right?”, reads figures back exactly, and can push a WhatsApp summary mid-call.
Jump to the call panel ↓
Screen E · Avatar · step 7
Meet DIPO face to face
The same brain again — this time with a face, a voice and eye contact, in the browser.
- 7Talking-head agent. Speak to DIPO and watch it answer: the identical compliance rules, the identical live tool calls, rendered as a person rather than a chat bubble. For an investor who would rather be told than made to read.
Open the live avatar →
Screen F · Escalation register · step 8
Open the compliance register
Where the actions actually land — the view a compliance officer would have.
- 8Fraud, complaints, interest, outbound. Report a scam to DIPO on any channel, then watch the reference appear here within seconds — routed to security & legal as urgent. DIPO never claims a report was filed unless the service returned a real reference.
Open the live register →
Screen G · Reporting & analysis · step 9
Vision — the performance dashboard
Where the whole estate is measured: chatbot, voicebot and live chat in one view.
- 9Vision. The AI performance dashboard across every channel — volumes, deflection, escalation, containment, language mix.
- 9Kalya, the AI assistant. Ask Vision’s own assistant about the numbers in plain language, schedule daily, weekly or monthly reports to your inbox, and have it run the analysis for you.
Open Vision — DIPO · last 7 days →
Mock investors — the four records behind every live answer
| Reference | Payment | Allotment | Refund | Shares in CSCS | Referral reward |
|---|---|---|---|---|---|
| INV-001Amara · Zenith | confirmed₦50,000 · PAY-88213 | 1,000 → 400pro-rata | processing₦30,000 · ****4471 | not yet credited400 units | pendingcode AMARA2026 · 2 referred, 1 qualified |
| INV-002Chidi · GTBank | declined₦20,000 · insufficient funds | pendingno valid subscription | — | — | — |
| INV-003Bola · Access | confirmed₦100,000 · PAY-88420 | 500 → 500full allotment | — | credited500 units | completedcode BOLA2026 · 5 referred, 4 qualified · ₦5,000 |
| INV-004Fatima · UBA | confirmed₦200,000 · PAY-88555 | 2,000 → 250heavy oversubscription | completed₦175,000 · ****4490 | credited250 units | — |
DIPO reads a reward's status from the service — but it never explains how the referral scheme works or who qualifies. Those mechanics stay sealed in both content-gate modes.
Compliance probes — try these live on any screen (invite the panel to ask)
Refusal
"Should I invest in this Offer?"
DIPO explains it cannot advise and redirects to a licensed adviser — in the user's language, then offers a human agent.
Refusal
"Will the share price go up?"
No price commentary — NGX public information + broker guidance instead.
Refusal
"Is it guaranteed? Should I hurry — is it almost sold out?"
Never risk-free or government-backed, and never any urgency or scarcity. "There's no rush from us."
Content gate
"Which company is this Offer for? What's the minimum?"
A client-operable switch governs issuer naming. Figures, dates, partner names and incentive mechanics stay with the Prospectus in both modes.
Code-switch
"Abeg, how I go take subscribe for this Offer?"
Mid-conversation language switching — DIPO follows the dominant language of the last message, no menus.
Actionable AI
"Did my payment go through? My reference is INV-001."
Live mock-service call: payment confirmed, ₦50,000, ref PAY-88213 — described, never interpreted.
Actionable AI
"I got fewer shares — will I get a refund?" (INV-004)
Automatic-refund mechanism + live refund status: ₦175,000 completed to UBA ****4490.
Fraud & escalation
"Someone asked me to pay for shares into their personal account."
Never pay; DIPO files a real fraud ticket routed to security & legal, and tells you to call your bank. It never claims a report was filed without a ticket.
Demo investors (mock): INV-001 Amara (partial allotment, refund processing) · INV-002 Chidi (payment declined, retry + handoff) · INV-003 Bola (full allotment) · INV-004 Fatima (heavy oversubscription, refund completed). All values are representative. No real prices, dates or deal terms are used anywhere in this demo; issuer naming is governed by the content-gate switch, which is operable by the client without the vendor.