owo

Nigerian-language financial intent parser.

owo takes a free-form financial instruction in English, Pidgin, Yoruba, Hausa, or Igbo — and returns structured JSON that any payment backend can consume.

from owo import parse

result = parse("Send 20k to Mama")

# OwoResult(intent='transfer', amount=20000.0, currency='NGN',
#           recipient='Mama', confidence=0.85, flags=[], ...)

---

Why owo?

Nigerian fintech products that want a conversational layer have to solve the same hard problem: users don't speak in structured commands. They say "abeg send 5k to Chidi", or "jẹ kí n san owo ina mi", or "biya wutar lantarki". Most NLU libraries weren't built for this. owo was.

It handles:

• Code-switching — mid-sentence language mixing ("Send am 5k abeg, GTBank")
• Naija numerics — 5k, 2 bags, half a milli
• Intent ambiguity — flags underspecified fields rather than guessing
• Backend agnosticism — plug in your own LLM provider

---

Installation

pip install owo-parse

Requires Python 3.10+.

---

Quickstart

from owo import parse

# English
parse("Buy 2GB data for 08012345678 on MTN")

# Pidgin
parse("Abeg top up my light, meter number 4512345678")

# Yoruba
parse("Jẹ kí n san ₦5,000 fún DSTV mi")

# Hausa
parse("Aika dubu goma zuwa ga Ahmad")

# Igbo
parse("Zipụ ego nde ise nye Emeka")

Every call returns an OwoResult:

@dataclass
class OwoResult:
    intent: str                    # transfer | bill_pay | buy_airtime | buy_data | crypto_sell | balance_check | unknown
    amount: float | None
    currency: str                  # always "NGN" for now
    recipient: str | None
    account_number: str | None
    bank: str | None
    service: str | None            # MTN | DSTV | EKEDC | ...
    language_detected: str         # en | pcm | yo | ha | ig
    confidence: float              # 0.0 – 1.0
    flags: list[str]               # ["missing_amount", "ambiguous_recipient", ...]
    raw: dict                      # parser metadata for debugging

---

Configuration

By default, parse() runs an offline heuristic covering common transfer and balance patterns across all five supported languages (English, Pidgin, Yoruba, Hausa, and Igbo). No API key needed. Inputs that fall outside the heuristic's rule set return intent: "unknown" with needs_llm_provider in flags — pass a provider to handle those cases.

# Offline — works for common patterns in all five languages
parse("Abeg send 5k to Chidi, GTBank")
parse("Aika dubu goma zuwa ga Ahmad")
parse("Send half a milli to Kemi")

To handle complex or ambiguous inputs, plug in an LLM provider. Three providers ship with the package:

pip install 'owo-parse[anthropic]'   # Anthropic
pip install 'owo-parse[openai]'      # OpenAI
pip install 'owo-parse[openrouter]'  # OpenRouter (access to 200+ models)

from owo import parse
from owo.providers.anthropic import AnthropicProvider   # ANTHROPIC_API_KEY
from owo.providers.openai import OpenAIProvider         # OPENAI_API_KEY
from owo.providers.openrouter import OpenRouterProvider # OPENROUTER_API_KEY

result = parse(
    "Buy 2GB data for 08012345678 on MTN",
    provider=AnthropicProvider(),  # or OpenAIProvider() / OpenRouterProvider()
)

The heuristic always runs first — the provider is only called when the input falls outside the rule set (i.e. needs_llm_provider is in result.flags). This keeps costs low for common transfer and balance patterns.

Or bring your own by subclassing BaseProvider:

from owo import BaseProvider

class MyProvider(BaseProvider):
    def complete(self, prompt: str) -> str:
        # Fallback — called when complete_messages() is not overridden.
        # Receives the full system + user prompt as a single string.
        ...

    def complete_messages(self, user_text: str) -> str:
        # Preferred override — gives you the user text directly so you can
        # pass the system prompt via your SDK's native system-message field.
        response = my_llm_client.chat(
            system=MY_SYSTEM_PROMPT,   # use owo._prompt.SYSTEM_PROMPT
            user=user_text,
        )
        return response.text

SYSTEM_PROMPT from owo._prompt contains the full instruction block with few-shot examples across all five languages — use it as-is or extend it.

---

Handling ambiguity

owo never silently fills in missing fields. If it can't determine the amount, it says so:

result = parse("Send money to Tunde")

result.amount        # None
result.flags         # ["missing_amount"]
result.confidence    # 0.61

Use confidence and flags to decide whether to ask the user for clarification before passing the result downstream.

---

Supported intents

Intent	Example
transfer	"Send 20k to Mama"
bill_pay	"Pay my DSTV, smart card 1234567"
buy_airtime	"Recharge 500 naira on Airtel"
buy_data	"Buy 5GB MTN data for my line"
crypto_sell	"Sell 50 USDT"
balance_check	"How much I get?"
unknown	Heuristic could not classify; use flags (needs_llm_provider) or an LLM provider

---

Supported languages

Code	Language
en	English
pcm	Nigerian Pidgin
yo	Yoruba
ha	Hausa
ig	Igbo

Mixed-language input (code-switching) is handled automatically — owo detects the dominant language and resolves cross-language entities.

---

Voice input

owo can parse voice notes and audio directly via parse_audio(). Install the voice extra to get the Whisper STT provider:

pip install 'owo-parse[voice]'

from owo import parse_audio
from owo.providers.whisper import WhisperProvider

with open("voice_note.ogg", "rb") as f:
    result = parse_audio(
        f.read(),
        stt_provider=WhisperProvider(),  # reads OPENAI_API_KEY from env
    )

# result.intent  → "transfer"
# result.amount  → 5000.0
# result.recipient → "Tunde"

The flow is: audio bytes → Whisper transcription → parse(). The LLM fallback still applies — pass provider= alongside stt_provider= if you need it for complex intents.

Language hints — Whisper accepts a language code to improve accuracy. Pass the expected language for best results on accented or tonal speech:

WhisperProvider(language="yo")   # Yoruba
WhisperProvider(language="ha")   # Hausa
WhisperProvider(language="ig")   # Igbo
WhisperProvider(language="en")   # English
# Omit language= for Nigerian Pidgin (auto-detect works best)

Bring your own STT — any backend works by subclassing BaseSTTProvider:

from owo import BaseSTTProvider

class GoogleSTTProvider(BaseSTTProvider):
    def transcribe(self, audio: bytes, *, filename: str = "audio.mp3") -> str:
        ...  # call Google Speech-to-Text here

---

Running the eval suite

owo ships with a benchmark suite of curated test fixtures across all five languages:

pip install owo-parse[eval]
python -m owo.eval

Results are printed per-language, per-intent, with a breakdown of field-level accuracy.

---

Roadmap

Version	Focus
v0.1	Core intent + entity extraction (English + Pidgin)
v0.2	Full multilingual support (Yoruba, Hausa, Igbo)
v0.3	Confidence scores, ambiguity flags, graceful fallback
v1.0	Provider abstraction, eval suite, docs, OSS-ready

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Contributing

Contributions welcome — especially test fixtures in Yoruba, Hausa, and Igbo, which are the hardest to source.

See CONTRIBUTING.md for the fixture format and how to add a new language normalization map.

This project follows the Contributor Covenant. Security disclosures: SECURITY.md. Changes are summarized in CHANGELOG.md.

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License

MIT