00 — The lock
Fixed savings · Nigerian students
Save forGraduation.Lock it in.
Money you cannot touch until the day you finish school. It earns 14% a year while it waits — and that interest starts the second it lands.
01 — Safety
Four fair questions
01Is my money safe?Your principal is never touched. Break the lock early and you forfeit interest — that is the entire penalty, plus a ₦500 fee.
02Can I get it out?Not right away — that is the point of the lock. Once 70% of the time until your graduation date has elapsed, you can request an early break and the money lands same day, with part of the interest kept. Before that milestone, the lock stays sealed.
03Is 14% a year real?It accrues daily on your balance — the counter above is doing the real arithmetic. Nothing lands in one mysterious lump at the end.
04Who built this?KambiliTech, in Lagos. Money moves through licensed Nigerian payment partners — we never hold it ourselves.
02 — Tools
Four tools, one account
All free to openGradSafe Lock14% p.a.01
Sealed until the date you set. Principal never at risk.
Start saving →GradWallet5% p.a.02Move money in and out freely. Still earns while it sits.
Open a wallet →BudgetFree03Split the allowance, push the leftovers into savings.
Plan a budget →AjoFree04Contribution circles with friends, tracked for you.
Start a group →03 — The maths
Drag it.
See the number.
Every month₦25,000
Months to graduation24 months
You paid inInterest
On graduation day
₦695,854
- You paid in
- ₦600,000
- Interest
- ₦95,854
04 — Together
Ajo
Save with friends.
Everyone pays in each cycle, one person collects. We track who paid and whose turn it is. Nobody has to chase anybody.
- Members
- 6
- Each cycle
- ₦12,000
- You collect
- ₦72,000
The rotaCycle 3 of 6
01CNChidi N.FebCollected
02AOAda O.MarCollected
03TBTobi B.AprCollecting now
04IKIfe K.MayUpcoming
05MEMide E.JunUpcoming
06DADami A.JulUpcoming
Tobi collects this month. Everyone else is paid up.
Two minutes to open.
₦0 to start.
Set your graduation date, fund it when money comes in, forget about it.