Rent does not wait. School fees do not wait. Stock finishes. Put money into a named goal now by yourself, or in a Circle of five working toward the same thing.
See it before you start
Pick the closest match — you can change this later.
Which path is yours?
Savings & Circles
Set a personal goal and save at your own pace, or start a Circle and build the streak together. Either way, your wallet, PIN and withdrawals stay yours.
Explore SavingsCo-opLife
Co-opLife records your cooperative participation separately from rent, school fees and other goal savings. Declared dividends have their own ledger.
Understand Co-opLifeSeedForce Cooperative
The message changes. The job stays the same: put money where tomorrow can find it with bank-grade safety, guaranteed yields, and community accountability.
Your funds are pooled and safeguarded under Seeds & Pennies Microfinance Bank, backed by Seeds Cooperative. Seeds & Pennies Cooperative is separately registered under LSCS 19744.
Automated compound calculations paid directly into your goal plans with zero hidden maintenance fees or surprise charges.
Save together in automated Ajọ circles where contribution rhythms are tracked and payouts are disbursed seamlessly on schedule.
Not a magic balance
Your wallet is the source. The savings plan is the destination. SeedForce should never make that ambiguous.
The payment appears in the plan history with its amount, date and status. Your target and remaining balance update.
Members can compare consistency and progress. They cannot see your PIN, operate your wallet or withdraw your money.
Money assigned to Co-opLife builds your cooperative stake. It is not quietly taken from the amount you named for rent or school fees.
Circle Lead reward
Bring at least five other savers around one goal and help the Circle keep its contribution promise. At twelve months, a qualifying Lead can receive a reward equal to their own qualifying savings.
2X in plain terms: your qualifying savings remain yours. SeedForce can add an equal Lead reward after successful twelve-month completion. Applicable savings returns remain separate.
Assuming the Lead saves ₦100,000 and the Circle qualifies at maturity.
Your plan’s applicable returns are calculated separately and are not used to fund the Lead reward.
Savings Circles
It is a group keeping the same kind of promise at the same time. Each person still owns and controls their account.
Set the purpose, contribution and finish date. Invite at least five savers.
Create a CircleJoin an open Circle for rent, school, stock, land or another listed goal.
Browse CirclesNo private group required. Save into the shared programme while keeping your own account.
Use Global CircleAbout Circle Lead rewards: a lead may qualify only after the group meets the published consistency and completion rules. Six-month and twelve-month rewards are conditional, reviewed and separate from members’ savings.
From the lending ledger
What members are saying while they save.
“Circle Savings meant I didn’t need Ajo. My rent was ready before my landlord asked twice.”
“I save from wherever I am and I can see every naira. No wahala tracking anything.”
“My school-fees plan just runs itself now — and it’s Backed By Seeds Cooperative. That matters to me.”
“Co-opLife means my savings also work for the coop, not just for me.”
Names shown are illustrative examples, not verified member endorsements.
Co-opLife
FreeFlow and goal savings are for the things you are saving toward. Co-opLife records your participation in the cooperative.
Illustrative member balances. Dividends are credited only when declared under cooperative rules. Loan decisions remain subject to affordability, identity and credit checks.
Start with the deadline
Questions, answered
SeedForce is the savings and cooperative platform of Seeds & Pennies — Backed By Seeds Cooperative, plus a separately registered cooperative (LSCS 19744) for members who want ownership and dividends.
Savings (goal plans, Circles) is for money you're setting aside toward a personal target and earns monthly interest. Co-opLife is a separate ₦10,000 cooperative membership that makes you a member-owner with annual dividends and loan access — the two can run side by side on one account.
A Circle is a group saving toward the same deadline. Every member keeps their own account, PIN and withdrawal control — the group only sees the streak, not your balance. Leading a qualifying Circle can also earn you a Circle Lead reward.
Yes. SeedForce is Backed By Seeds Cooperative together with savings. See the full Rates, Fees & Terms page for the details behind every figure quoted on this site.
Liberty is Seeds & Pennies' lending arm. Loan terms, APR and fees are confirmed at application — see the Rates & Fees page for a worked example and the current disclosure.
Ready when the deadline is not.