A complete guide to how the platform works, from deploying your first investment to recovering your returns.
This is a peer-to-peer (P2P) community finance platform. Members deploy money into the system and receive their capital back with a return, funded by the deployments of newer members — not by a central pool or investment fund.
It is transparent, community-driven, and operates on trust. Every transaction happens directly between members. The platform facilitates matching, tracks trust scores, and provides tools for dispute resolution.
The cycle has five stages:
Deploy
You choose a plan and deploy an amount. Your money enters the queue waiting to be paired.
Get Paired
The system matches you with a member who is waiting to receive their return. You are assigned to pay them.
Pay & Upload Proof
You send the money directly to the receiver's bank account or USDT wallet and upload payment proof.
Mature
Once your payment is confirmed, your cycle starts maturing for the plan's duration.
Recover
After maturity, you enter the recovery queue. Future deployers will be matched to pay you your capital + return.
Each plan has a fixed return percentage and maturity duration. The longer you wait to recover, the higher your return.
| Plan | Duration | Return | Min (₦) |
|---|---|---|---|
| Quick Plan | 2 Minutes | 10.00% | ₦10,000 |
| Standard Plan | 1 Minute | 22.00% | ₦10,000 |
| Premium Plan | 1 Minute | 35.00% | ₦10,000 |
Your return is calculated on your deployed amount. For example, deploying ₦100,000 at 20% return means you recover ₦120,000 total.
To deploy, go to Plans, choose a plan, enter your amount, and confirm with your transaction PIN.
What happens after deploying?
Your investment status will show as Waiting to be Paired. The system (or admin) will match you with a receiver. Once matched, you have 24 hours to pay.
After deploying, you will be paired with one or more receivers. A receiver is a member whose investment has matured and is now owed their payout.
When paired, you will see the receiver's payment details on your pairing page. Send the exact amount and upload proof.
Naira (NGN) Payment
As a Receiver
When a sender uploads proof, you will be notified. Go to the pairing page, verify the payment was received in your account, then click Confirm Receipt. If you did not receive it, raise a dispute.
Once the receiver confirms your payment, your investment starts maturing. After the plan's duration passes, it moves to Ready to Recover.
Your Trust Score is a number between 0 and 1000 that reflects your reliability on the platform. All new members start at 250.
| Tier | Score Range | Benefits |
|---|---|---|
| Bronze | 0 – 399 | Basic access |
| Silver | 400 – 599 | Priority pairing consideration |
| Gold | 600 – 799 | Higher platform trust |
| Platinum | 800 – 949 | Elite status |
| Diamond | 950 – 1000 | Highest tier — full platform trust |
How your score changes:
A streak counts how many consecutive cycles you have completed without missing a payment. Streaks are rewarded with Trust Score boosts, cashback bonuses, and badges.
| Milestone | Trust Score | Cashback | Badge |
|---|---|---|---|
| 3 cycles | +30 | — | — |
| 5 cycles | +60 | — | Consistent |
| 10 cycles | +150 | ₦1,000 | — |
| 20 cycles | +300 | — | Elite |
| 50 cycles | — | Permanent bonus cashback | Legend Streak |
Missing a payment resets your streak to zero.
Your Cashback Wallet accumulates bonuses from streak milestones, referral rewards, and special promotions. It is separate from your investment balance.
Badges are achievements earned by reaching milestones on the platform. Each badge comes with a shareable achievement card you can show to others.
Consistent
Complete 5 cycles in a row
Elite
Complete 20 cycles in a row
Legend Streak
Complete 50 cycles in a row
Connector
Refer 5 members who complete their first cycle
Influencer
Refer 15 qualifying members
Ambassador
Refer 30 qualifying members
Legend Referral
Refer 50 qualifying members
Share your referral link with friends. When they sign up and complete their first cycle, you earn a reward.
Before you can deploy, you must set up your payment details so receivers know where to send your payout.
Bank Account (NGN)
All new accounts start on probation with a Trust Score of 250 (Bronze tier). This is normal and does not restrict your ability to deploy.
If a sender claims to have paid but the receiver has not confirmed, or a receiver disputes the payment, either party can raise a dispute.
If you have a question or issue that is not answered here, open a support ticket from your account.