• Our investment pools are diversified for various risk appetites, ranging from low to medium.
• Flexibility is key; make contributions at any time during the year, and monthly top-ups are not mandatory after your first investment.
• Our tenures range from 1 to 5 years, allowing you to choose a suitable time frame for your investment goals.
• Our returns are competitive. We recommend contributing according to your risk profile for optimal returns.

For information on levels of assurance for different asset classes, we kindly refer you to our Cooperative Terms & Conditions and Bylaws.

Yes! Through our multi-family office, we onboard all Africans and diasporans. For details, please send a message through our contact form.

Upon joining, you may select a tenure ranging from 1 to 5 years. We recommend exploring the resources available on your member’s dashboard, including our “Getting Started” guide.

Once your profile is set up, you are free to start contributing immediately. However, we recommend that you take some time to go through our “Getting Started” resources first.

Returns are generally paid out on an annual basis. However, for Purple Pool, you have the option to specify monthly returns.

Please log in to your dashboard to request a withdrawal from your wallet. You may also use the funds in your wallet to reinvest in an existing pool or to book a different one.

In accordance with our compliance requirements, payments are not processed without withdrawal requests. Amounts that are not withdrawn are rolled over for an additional year in the same pool.

Once a withdrawal is requested, it will appear as pending until the end of the month, and your payment will be credited to your bank account on or before the 5th day of the new month.

Our contribution pools come with varying levels of risk, with some offering principal guarantees while others don’t. For detailed descriptions of our pools, please refer to our “Getting Started” resources on your member’s dashboard.

We encourage members to make contributions as frequently as possible to maximize their membership fees, if any. While monthly contributions are not mandatory after the first investment, members can top-up at any time.

As member funds are invested together, withdrawing funds before maturity can disrupt the entire pool. If early withdrawal is consented to, the amount of any cost or loss borne by other members because of the withdrawal will be deducted from the investment.

While the standard penalty for early exit is 20% loss to both principal and returns till date, there is a possibility of a higher penalty if we have to force-sell a member’s slot.

Yes. However, due to CBN’s restrictions on interbank transfers, we prefer making payments to offshore accounts for amounts exceeding $1,000. If you do not have an offshore account, we can still process payments to your Nigerian USD account through our international payment partners, but this may incur a transaction fee of up to 4% of the transferred amount.

Yes. When processing a payment to your USD account, you will incur transfer fees similar to that of international bank transfers. This applies whether your account is local or international.

However, Purple members receive their returns with no charges.

Providing your Bank Verification Number is mandatory as per regulatory requirements for Know Your Customer (KYC), Anti-Money Laundering (AML), and Combating the Financing of Terrorism (CFT). If you do not have a BVN, we have alternative methods of KYC.

If you send money to an account that is not our official bank account or dedicated payment channel, with the account name Vizient (Eti-Osa) Cooperative Multipurpose Society Limited or Ploutos App Inc, we are not required to provide value for that investment.

Your Next of Kin serves as an emergency contact if, for any reason, a member passes on or becomes incapacitated. However, we can only make payment to the person listed on a letter of administration, as this document specifies the executor of the member’s estate.