Money grown
by the people
who use it.
A member-owned savings & lending society — fair rates, real dividends, no shareholders.
Built on five
quiet promises.
We aren't a bank. We don't have shareholders to please or quarterly growth to chase. We just have members — and the promises we made to them on day one.
Member-owned, member-led
One member, one vote. Every policy, rate, and dividend is decided at our quarterly assembly.
Surplus, not profit
What we earn above costs is returned to you as dividends or reinvested into community lending.
Patient capital
We lend slow and steady — small businesses, school fees, harvests. No predatory short-term lines.
Rooted locally
Branches in every federation district. Real people who know your name, your trade, your story.
Transparent by default
Every figure on this page is public. Read our open ledger or attend any assembly meeting.
Read the full charter
The whole agreement, in plain language. No footnotes, no fine print, no surprises.
Your capital,
safely compounded.
Every naira you deposit is secure. Unlike commercial banks that speculate in complex derivatives, our assets are fully held in stable federal bonds and local member loans.
Strategic Liquidity Ledger
Average annual interest rate for local business expansion loans.
Average seasonal input advance provided to cooperative farmers.
Credit that
lifts you up.
We believe credit should build communities, not create cycles of debt. Our lending rates are fixed, transparent, and decided by the cooperative assembly to remain lower than commercial bank rates.
Capital for the
common good.
Ten percent of all cooperative surplus is channeled directly into the Community Impact Fund. Members vote quarterly to distribute resources to infrastructure projects that benefit our shared districts.
Mutual Aid Disbursement
Three ways to
belong.
Every member pays the same modest monthly subscription — it covers the ledger, the audits, the assemblies. Choose the tier that fits the size of your society. No setup fees, no hidden lines.
Core
- Member ledger & savings book
- Lending engine · 10% flat
- Quarterly dividend disbursement
- Open ledger feed
- Email support
Premier
- Everything in Core
- Multi-branch chapters
- Inter-coop lending pool
- Assembly voting & governance
- Dedicated steward · phone support
- Custom branding
Infinite
- Everything in Premier
- Federation-wide oversight
- Custom dividend formulas
- Sovereign audit integrations
- On-site onboarding
- Founding charter advisory
Every plan includes a 30-day grace period and an open exit — your data is always yours, in plain CSV.
Compare every feature“We rebuilt the
market rooftogether.”
When the storm took the eastern stalls, forty-two members pooled an emergency advance through the cooperative. Six months on, the roof is new, the stalls are full, and every loan is paid back.
members.
One roof.
Become a member.
Become an owner.
No minimum balance. No application fee. Bring two referrals from existing members and an idea of what you'd like to grow.