Your mum never missed her Ajo payment.
But your savings plan dies by the middle of every month.
Her secret was a system, and you can copy it this payday π§΅
One good payday is easy. The hard one is month four, when nothing feels exciting.
Ajo works because the collector shows up every month, mood or no mood.
So make your own collector.
Set a phone reminder for payday morning. Same day, same amount, every time.
On Xend, it takes a few minutes:
Fund your wallet through your Naira virtual account.
Pick the Money Market Fund. Confirm.
Your own Ajo.
Except this one earns while it waits.
xend.africa/
JPMorgan, America's biggest bank, has the same money fear as you.
"If I put my money in, will I be able to get it out?"
That one question explains what happened in 2015 and why JPMorgan is now putting β¦50 billion down in Nigeria π§΅
Here's how Xend answers the same test:
Who watches:
- SEC Nigeria regulates our Money Market Fund and Equity Income Fund.
Who manages it: AXA Finance.
Getting your money out: Less than 5 mins
Check us the same way you'd check anyone else.
Even the biggest bank in America had to show its paperwork before it could work here.
Any app holding your money should show you theirs. Including us.
Ask the questions. Read the terms. Then decide. ‡οΈ
xend.africa/
Using the new Xend app?
The strongest lock on your money is not the app.
It is you.
β’ Use a passcode
β’ Turn on biometrics
β’ Never share a code with anyone, including support
Good apps give you the tools. Using them is the part only you can do.
xend.africa/
Elon is giving American kids a slice of a company.
You can start owning a piece of real companies yourself, from your phone in Nigeria. An equity fund buys shares in many companies for you.
On Xend...
The Equity Income Fund holds dividend-paying Nigerian stocks. β
You can't buy your way into Elon's gift.
You can start owning a piece of real companies yourself from your phone.
xend.africa/
Stomach no dey do "24-hour review" π
Locking money is fine.
Locking your emergency money na where e spoil.
Keep your emergency money somewhere it earns while it waits, and comes out when you need it. π
I deleted cowrywise in 2023.
I remember that time, I locked my money for a year then around that june/august, I was dead broke.. something came up and i lost some money
Imagine having money locked somewhere but canβt even feed properly, canβt even buy data or pay for transportπ€£π€£
So I waited for the withdrawal day, I had already planned to use the money and these guys told me 24 hours review
I was pissed off ehn.. Like you have been debiting my account for 6months and itβs time to pay you are saying I should wait for 24 hours π
I deleted my account after withdrawing my money
I donβt have issue with them but I just couldnβt subscribe to that kind of rules on my money.. I prefer my saving money where I can access it
So where should emergency money sit?
In a current account, it earns almost nothing.
In a locked plan, it's stuck when you need it.
You want a place where it earns while it waits and comes out when you ask for it.
Having money and still being broke is a special kind of pain π
Keep your emergency money somewhere it earns while it waits, and comes out when you need it.
Money Market Fund on Xend. No lock period.
xend.africa/