Every tool your business needs.
All talking to each other.
Finance, HR, Payroll, Inventory, POS, Attendance, Behavioral Intelligence, CRM, Accounting, Projects, Recruitment, Helpdesk, Expense Claims, and Argus AI — built as one system. Not bolted together.
The complete OS
15 modules. One platform.
Zero switching.
Finance
Complete financial visibility — powered by Argus AI to catch anomalies before they cost you.
HR & Staff
Manage your entire workforce from onboarding to offboarding — with MID behavioral data built in.
Payroll
Automated payroll in minutes — attendance-verified, tax-compliant, and one-click disbursable.
Inventory
Smart stock control linked directly to your POS and Finance — every sale updates everything automatically.
Attendance
GPS-enforced clock-in eliminates proxy clocking, ghost workers, and manual manipulation.
Behavioral Intel
A data-driven evaluation engine that scores every staff member automatically — across 14-day cycles.
POS Terminal
Every sale auto-updates inventory AND records to finance — no manual entry, no reconciliation gap.
CRM & Pipeline
Manage every lead, deal, and client relationship — from first contact to closed deal — in one connected pipeline.
Accounting
Full double-entry accounting built in — chart of accounts, journal entries, and IFRS-aligned financial statements.
Expense Claims
Staff expense claims, manager approvals, and reimbursement tracking — end-to-end in one workflow.
Projects
Plan and deliver every project on time — with milestones, team members, and real-time progress tracking built in.
Recruitment
Post jobs, track applicants through every stage, and hire faster — without leaving Moatwave.
Helpdesk
Internal support ticketing — any staff member raises an issue, managers resolve it, full audit trail kept.
Argus AI
Not just a chatbot — Argus AI controls and monitors all 15 modules simultaneously, 24/7.
Branches
Run multiple locations from a single HQ dashboard — with per-branch isolation and full consolidation.
GPS-Enforced Attendance
The clock-in camera
can be fooled.
GPS coordinates can't.
Moatwave's attendance module requires staff to be physically within an approved location radius before clocking in. No radius match — no clock-in. Ghost workers, proxy clocking, and location fraud are structurally eliminated.
Unique POS System
One sale.
Three things happen
automatically.
Most POS systems just record a transaction. Moatwave's POS is connected to Inventory and Finance at the core — so every sale triggers real-time updates across your entire business automatically.
Sale recorded
Transaction logged with cashier, time, and payment method
Inventory deducted
Stock levels updated instantly — no manual count needed
Finance posted
Revenue posted to P&L ledger — no double entry ever
Behavioral Intelligence
Not gut feel.
Real data. Every 14 days.
Every 14 days, Moatwave computes a MID score for each staff member from their GPS attendance, task completions, conduct records, and work consistency — with no manual input from anyone.
Argus AI
Not a chatbot.
Your entire platform controller.
Argus AI is connected to all 15 modules simultaneously. It monitors your business 24/7, surfaces anomalies, and responds to anything you ask — in plain English.
Finance
HR
Payroll
Inventory
Attendance
Behavioral
POS
CRM
Accounting
Expenses
Projects
Recruitment
Helpdesk
Branches
Argus AI
While you run your business, Argus AI is watching every module simultaneously. It sends you a daily brief, flags anomalies before they escalate, and answers any question about your business in plain English — backed by your live data.
Built for every role
Three portals.
Every role covered.
Everyone in your business gets exactly the access they need — and nothing more. Moatwave ships three purpose-built portals out of the box.
Company Admin
Full platform access
The command centre. Run your entire business from a single dashboard — every module, every report, every approval.
Branch Manager
Branch-scoped access
Managers see only their branch — no data leakage between locations. Full operational control within their scope.
Staff Portal
Self-service access
Staff manage their own work life — no HR middleman needed for routine requests. Empowers without overexposing.
One platform, one subscription — all three portals included.
Every plan comes with the Admin, Manager, and Staff portal. No add-on fees per role type.
Why Moatwave
Six things no other
SME platform does.
QuickBooks records money. SAP costs a fortune. Separate tools don't talk to each other. Moatwave does all of it — and solves the problems the others can't even see.
Everything connected by default
POS updates inventory and finance simultaneously. Payroll pulls from attendance. MID score pulls from everything. No integration work needed.
Invisible problems made visible
Cameras don't catch proxy clocking, payroll-attendance mismatches, or finance anomalies. Moatwave's connected data layer does — automatically.
GPS-enforced attendance
Staff must be within the approved location radius to clock in. Wrong location = rejected. Ghost workers and proxy clocking are structurally impossible.
Behavioral data that compounds
Every 14-day cycle, MID scores build a behavioral history for each staff member. Patterns emerge over months. Bad habits surface before they become problems.
One-click bulk payroll
Attendance-verified payroll runs in minutes. PAYE computed, payslips generated, and bulk disbursement ready — all from one approval.
Argus AI watching everything
No other SME platform monitors all 15 business modules simultaneously with AI. Argus sees the patterns you'd miss, and tells you in plain English.
Competitive comparison
Moatwave vs the alternatives
The tools exist. But none of them are connected the way Moatwave is.
| Capability | Moatwave | QuickBooks / Xero | SAP / Odoo | Separate tools |
|---|---|---|---|---|
| GPS-enforced attendance | ||||
| MID behavioral scoring | ||||
| POS → Inventory → Finance auto-link | ||||
| Anomaly detection across all modules | ||||
| 14-day behavioral cycles | ||||
| One-click bulk payroll disbursement | ||||
| AI business controller (Argus) | ||||
| Branch management with data isolation | ||||
| Built for Nigerian compliance (PAYE) | ||||
| Affordable for SMEs (from ₦6,600/mo) |
Ready to see it
all working together?
14-day full Business trial. No card. No setup fee.