Welcome to Piron Finance
What is Piron Finance?
Making Institutional Investments Accessible to Everyone
Ever tried to buy government bonds? Unless you have $100,000 lying around and a broker on speed dial, you're out of luck. That's where we come in.
Piron Finance brings treasury bills, bonds, and other money market investments onto the blockchain. Now anyone can invest in the same instruments that banks and institutions use - starting with just $100.
The Problem We're Solving
Let's paint a picture. You're sitting in Lagos with some savings. You want to invest in something less volatile than stocks/crypto but better than your 3% savings account. Your options?
Nigerian Treasury Bills? Minimum investment: ₦50 million through primary market
US Treasury Bonds? Good luck accessing those from Nigeria
Corporate Bonds? Need a broker, tons of paperwork, and deep pockets
Meanwhile, these instruments are paying 15-20% annually in Nigeria, 5-6% in the US. But regular people can't access them.
How Piron Changes the Game
Traditional Way:
You → Broker → Bank → Primary Dealer → Government Bond
- Minimum: $100,000
- Time: 5-7 days
- Fees: 2-3%
- Access: Business hours only
Piron Way:
You → Smart Contract → Pool → Government Bond
- Minimum: $100
- Time: Instant
- Fees: 0.5%
- Access: 24/7Real Example: Sarah's Investment Journey
Sarah is a software developer in Lagos with $5,000 to invest. Here's her Piron experience:
Day 1: Sarah sees a Nigerian T-Bill pool offering 18% returns
Pool: "91-Day FGN Treasury Bill"
Target: ₦50,000,000
Minimum: ₦10,000 ($10)
Expected Return: 18% annualized
Her Investment: ₦5,000,000 ($5,000)Day 7: Pool closes with ₦45,000,000 raised
Sarah owns 11.11% of the pool
SPV (Special Purpose Vehicle) takes funds to Treasury auction
Day 8: Results are in!
SPV successfully buys ₦45M in T-Bills at 18% discount
Sarah's share: ₦5M investment working for her
Day 98: Maturity
Government pays out ₦54.9M to SPV
Sarah's return: ₦6.1M (₦5M + ₦1.1M profit)
Profit: 22% in 91 days
All of this happened while Sarah slept, worked, and lived her life. No broker meetings, no paperwork, no stress.
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