Distribute on consignment and take 10% of what members earn in the app. Or finance devices to members and let the device's own earnings service the loan. Both routes start at ₦0.
These are different products with different paperwork. Most institutions know which one they want within a minute of reading both.
If you are not sure, say so on the form and we will walk both structures with you. Choosing on the form does not commit you — it only tells us which outline to prepare.
Deployment cost is retired by daily engagement, not by an invoice. Month 4 is the baseline, not a promise — it assumes sustained daily use across the cohort, and we will show you the sensitivity before you sign anything. If engagement runs lower, retirement takes longer. On Route B in particular, that sensitivity is the number your credit committee will want, and we would rather put it in front of you early.
Route A places consignment stock with you. Route B finances the device to the member. Neither starts with you buying inventory.
Daily app use earns rewards redeemable for airtime and data. That earning stream is what makes both routes work.
Ten per cent of what every member registered to you earns, every month, for as long as they stay active.
The device generates cash flow that goes against the member's repayment. The asset pays for itself rather than competing with the member's income.
Read both columns before you apply. The second one saves us both a call.
A solar backpack, powerbank and lamp. Useful from the day it is placed, which is what drives activation.
Daily use earns rewards redeemable for airtime and data.
On Route A you take 10% of them. On Route B they service the member's repayment.
You see who activated and who is still active — the same signal that predicts repayment behaviour.
Every member placed adds to a monthly figure that does not go back to zero at the end of a cycle.
What we ask is ₦0 at deployment. Here is what sits on the other side of that.
Route A. The recurring half of the deal, and the larger half. It compounds with every member you place.
Route B. The device produces the cash flow that services its own finance.
Consignment on Route A, financed to the member on Route B. Neither requires you to buy stock.
Who activated, who stayed active. On Route B this is also your earliest repayment signal.
Activation is the model. We run onboarding with you rather than shipping boxes.
Your branches and agents shown to nearby users looking to redeem.
Yes, and several institutions will want to — Route A through branches, Route B through an agent network. We would still write them as two agreements, because the obligations are genuinely different.
Repayment takes longer, and the modelled baseline is exactly the thing we put in front of you before you commit. We will not hand your credit committee a single optimistic number. You get the sensitivity, including the downside case.
Ten per cent of what each member registered to you earns in the app that month. Paid monthly, tracked on a dashboard you can see. If a member stops using the app, that share stops.
No, and we will not present it as one. It is driven by daily engagement, which varies by cohort. Month 4 retirement is a modelled baseline that assumes sustained use, not a promise. That is why activation reporting matters as much as the hardware.
On Route A, we do, until they are placed. On Route B, ownership terms follow your own asset-finance structure and we set them in the outline before anything is signed.
Because a cash loan competes with the member's income and this asset adds to it. The device earns daily whether or not the member has a good trading week, which is a different risk profile from unsecured lending.
This is an enquiry, not a commitment. We come back with a written outline you can take to your credit or product committee.