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.
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
Live phone · WhatsApp
Same brain on the channel most Nigerians already use.
- 5Inbound + proactive push. Ask in any of 8 languages; plus proactive confirmations — payment confirmed, allotment published, the Offer brochure — window-independent via an approved template.
Live phone on speaker
Screen D · Escalation register · step 6
Open the compliance register
Where the actions actually land — the view a compliance officer would have.
- 6Fraud, 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 →
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.