THRIFT SAVINGS PLATFORM
Savings that work as hard as you do
Zeraa brings structured, trustworthy savings to Nigeria's informal economy. Your agent comes to you. Your money stays safe. Your future grows.
Daily
Cash collection at your stall
Zero
Hidden charges after service fee
100%
Transparent. Accountable. Yours.
How it works
Three simple steps
01
Meet your agent
A trusted Zeraa agent in your market or community registers you and sets up your savings plan.
02
Save every day
Your agent visits you daily to collect your deposit. Every deposit is recorded in the Zeraa app instantly.
03
Collect your payout
At the end of your plan, your full savings are paid out to you. No surprises. No deductions beyond the agreed service charge.
Products
What we offer
Financial products built around your life — not around a bank's requirements.
Structured savings plans
Fixed daily, weekly, or monthly savings with a trusted agent. Full payout at completion.
Micro-savings — flexible
Save any amount on any day. No minimums. No penalties. Built for irregular income.
Goal-based savings
Save toward a named goal — school fees, December money, shop rent. Track progress daily.
Zeraa credit — loans
Credit built on your savings history. No collateral. No guarantor. Just consistent saving.
The Zeraa promise
"Your money is safe. Your agent is accountable. Your future is being built — one deposit at a time."
We are not a bank trying to reach the informal economy. We are the informal economy's own savings system — made accountable, transparent, and built around the trust that has always existed in Nigerian markets.
Small small, we go reach am.
WHO WE ARE
Built for the backbone of Nigeria's economy
Every trader, every artisan, every hustler who keeps this economy alive deserves financial tools that work for them.
OUR VISION
A Nigeria where the hardworking men and women in the informal economy are no longer shut out of wealth; every trader, every artisan, every hustler who has kept this economy alive finally has the financial tools to create wealth and build the future they have always deserved.
OUR MISSION
To bring structured or flexible, trustworthy savings to Nigeria's informal economy — one market, one agent, one deposit at a time — so that the people who keep the economy moving can achieve their financial goals.
Core values
What we stand for
Trust before technology
The relationship comes first. The app enables it, not the other way around.
Dignity in every transaction
Every customer deserves the same respect as a bank's wealthiest client.
Accountability at every level
Every action is recorded, transparent, and owned — from the market to the office.
Small is significant
₦200 saved today matters as much as ₦200,000. We don't measure people by how much they save.
Community over competition
Zeraa grows when the people it serves grow. Their success is the product.
Strategic objectives
How we get there
1
Financial inclusion at the last mile
Reach traders and informal workers that banks have failed — by bringing savings to where they are.
2
Build trust through accountability
The most transparent savings system in Nigeria's informal economy. Every deposit recorded, every payout approved.
3
Document the invisible
Build financial identities for people who have none — unlocking credit and investment they've never had access to.
4
Grow through community
Trusted agents. Satisfied customers who refer the next. Every market becomes a Zeraa market.
5
Evolve the product with the customer
Start with savings. Add returns. Build toward credit. Every product serves the same person at a different stage.