SeedForce

Seeds & Pennies MFB

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◆ SAVINGS FOR REAL DEADLINES

Save more.Unlock bigger opportunities.

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.

2×CIRCLE LEAD REWARDFinish with up to 2×.Lead a circle of five — see how it works↘

Name the goal

Rent, school, stock, land — or your own target.

Choose the rhythm

Save daily or weekly, straight from your wallet.

See every payment

Your plan shows what landed, what was missed, what remains.

12,400+ MEMBERS·₦1.2B POOLED·35% COOPLIFE DIVIDEND

₦

Scan to get the

SeedForce MFB App

on iOS or Android

Click to download

From the lending ledger

Loans paid out through Liberty

Successful disbursements only. Names are shortened.

Today12₦2.4M paid

This week68₦14.6M paid

This month240₦52.1M paid

Chidi O.Rent bridge · Lagos

Fatima B.Stock capital · Kano

Rasheed A.School fees · Ibadan

Mercy E.Working capital · Aba

FEATURE 01

Savings Circles

Save with people.
Keep your own wallet.

Set one deadline, see everyone’s saving rhythm and build the streak together. Your PIN, balance control and withdrawals remain yours.

See how Circles work

FEATURE 02

Co-opLife

Build a stake.
Not just a balance.

Co-opLife records your cooperative participation separately from rent, school fees and other goal savings. Declared dividends have their own ledger.

Understand Co-opLife

SeedForce Co-operative

Every reason to
keep the promise.

The message changes. The job stays the same: put money where tomorrow can find it with bank-grade safety, guaranteed yields, and community accountability.

01 • BANK-GRADE REGULATION

CBN Licensed & MFB Protection

Your funds are pooled and safeguarded under Seeds & Pennies Microfinance Bank, fully licensed by the Central Bank of Nigeria (CBN).

02 • AUTOMATED YIELDS

Up to 2.33% Monthly Interest

Automated compound calculations paid directly into your goal plans with zero hidden maintenance fees or surprise charges.

03 • CIRCLE STREAKS

100% Verified Cohort Payouts

Save together in automated Ajọ circles where contribution rhythms are tracked and payouts are disbursed seamlessly on schedule.

A savings co-operative. A better future.Save before it is urgent.Save more. Unlock bigger opportunities.Your wallet. Your plan. Your control.Every contribution accounted for.

Save with people. Keep your own wallet.Start a Circle. Set the finish date.One goal. One rhythm. Keep going.Your PIN remains yours.The group sees the streak, not your account.

Build a stake with Co-opLife.Goal savings stay goal savings.Declared dividends have their own ledger.Ownership grows separately.Two balances. Two jobs.

Rent ready.School fees ready.Stock ready.Land in stages.December without panic.Build the record before you need the loan.

Small amounts.Kept promises.Visible progress.

FOLLOW ONE CONTRIBUTION01 / 04

MAIN WALLET₦28,500Available to use

₦5,000

RENT READY₦175,0007 of 12 months funded

Ready to saveChoose a plan before money leaves your wallet.

Not a magic balance

See what happens to the money.

Choose where the ₦5,000 should go.

Your wallet is the source. The savings plan is the destination. SeedForce should never make that ambiguous.

The plan receives it. The wallet reduces.

The payment appears in the plan history with its amount, date and status. Your target and remaining balance update.

If this is a Circle, the group sees the streak.

Members can compare consistency and progress. They cannot see your PIN, operate your wallet or withdraw your money.

Co-opLife stays separate.

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

Lead the Circle.
Finish with up to 2X.

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.

See the qualification rules

WORKED EXAMPLE

Assuming the Lead saves ₦100,000 and the Circle qualifies at maturity.

Your qualifying savings₦100,000

100% Lead reward₦100,000

Yours before applicable returns₦200,000

Your plan’s applicable returns are calculated separately and are not used to fund the Lead reward.

01Five consistent membersAt least five other members must each meet the contribution threshold.0280% contribution valueThe Lead and qualifying members must each fund at least 80% of their schedules.03Reviewed at maturityThe conditional reward is assessed after the six- or twelve-month Circle ends.

Savings Circles

A Circle is not
a joint wallet.

It is a group keeping the same kind of promise at the same time. Each person still owns and controls their account.

HOUSE RENT CIRCLE12 members · 90 days

GROUP TARGET₦3,600,000

FUNDED67%

DOYou12-day streak₦24,00012 / 90

COChidi O.20-day streak₦40,00020 / 90

FBFatima B.18-day streak₦36,00018 / 90

RARasheed A.8-day streak₦16,0008 / 90

START ONE

Bring your people.

Set the purpose, contribution and finish date. Invite at least five savers.

Create a Circle

JOIN ONE

Find the same deadline.

Join an open Circle for rent, school, stock, land or another listed goal.

Browse Circles

SAVE SOLO

Use the Global Circle.

No private group required. Save into the shared programme while keeping your own account.

Use Global Circle

About 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.

Co-opLife

Two balances.
Two jobs.

FreeFlow and goal savings are for the things you are saving toward. Co-opLife records your participation in the cooperative.

SAVINGS₦240,201Your goals and FreeFlow balance

Named destination
Visible payment history
Withdrawal rules shown in the plan

CO-OPLIFE STAKE₦48,600Recorded cooperative participation

Separate contribution
Declared dividends only
May support loan eligibility

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

What needs money next?

01House rentMonthly · 12 months 02School feesWeekly · one term ahead 03Stock & working capitalDaily · 90 days 04Emergency bufferFlexible · keep building 05December expensesWeekly · finish before December 06Wedding & family eventChoose your date 07Land & buildingMonthly · build in stages

Ready when the deadline is not.