How-To Guides

How to Invest in Your First Pool

Scenario: You have $500 and want to start investing

1. Find a Suitable Pool

   Go to Explore → Filter by:
   - Minimum: Under $500
   - Status: FUNDING
   - Currency: Your available currency

2. Research the Pool

   • Check the instrument type

   • Verify the SPV track record

   • Confirm maturity aligns with your needs

3. Calculate Your Position

   Pool Size: $50,000
   Your Investment: $500
   Your Ownership: 1%
   If pool returns 20%: You get $600

4. Make the Investment

   • Enter amount

   • Approve tokens (one-time)

   • Confirm transaction

   • Save your receipt

How to Invest in Local Currency Pools

For Nigerian Investors:

1. Get cNGN (Naira Stablecoin)

   Option A: Buy on Binance
   Option B: Use local P2P
   Option C: Swap USDT → cNGN

2. Find Nigerian Pools

   Filter: Currency = cNGN
   Common options:
   - FGN Treasury Bills
   - Nigerian Corporate Bonds
   - State Government Bonds

3. Understand the Rates

   Nigerian T-Bills: 15-20%
   Corporate Bonds: 18-25%
   Your Bank Savings: 3-4%
   
   The choice is obvious!

How to Handle Partial Allotments

Sometimes the SPV can't invest all funds:

Example Scenario:

Pool Raised: ₦50,000,000
SPV Bid: ₦50,000,000
Government Allocated: ₦40,000,000
Result: ₦10,000,000 excess

What Happens:

1. Your shares represent your % of ₦40M invested

2. Your excess % is calculated

3. You can claim excess immediately

4. Small fee (0.1%) covers gas costs

Your Position:

You Invested: ₦5,000,000 (10% of pool)
Allocated: ₦4,000,000 (10% of ₦40M)
Excess Refund: ₦1,000,000
Fee: ₦1,000 (0.1%)
You Receive: ₦999,000

How to Use Secondary Markets

Can't wait for maturity? Sell your shares:

When to Sell:

• Need immediate liquidity

• Found better opportunity

• Want to lock in profits

How Pricing Works:

Your Position:
├── Current Value: $1,050
├── Value at Maturity: $1,100 (30 days away)
├── Reasonable Ask: $1,070
└── Buyer Profit: $30 in 30 days

Steps to Sell:

1. Go to "My Positions"

2. Click "List for Sale"

3. Set your price

4. Wait for buyers

5. Auto-transfer on sale

How to Participate in Syndicates

Syndicates pool resources for bigger deals:

Creating a Syndicate:

1. Gather 5-10 interested investors
2. Agree on investment terms
3. Create syndicate contract
4. Each member deposits share
5. Vote on investments

Example Syndicate:

"Lagos Tech Angels"
├── Members: 10
├── Contribution: $5,000 each
├── Total Pool: $50,000
├── Focus: Invoice financing
├── Expected Return: 25-30%
└── Voting: 60% to approve

How to Track Coupon Payments

For bond investments with regular payments:

Payment Schedule:

$10,000 Bond Investment
├── Coupon Rate: 8% annual
├── Payment: Quarterly
├── Amount per Payment: $200
└── Total Annual Income: $800

Claiming Process:

1. SPV receives coupon off-chain

2. Sends to pool contract

3. Your share auto-calculated

4. Claim anytime or let it compound

How to Manage Multiple Positions

Portfolio Strategy:

Diversified Portfolio:
├── 30% - 90-day T-Bills (safer, liquid)
├── 40% - 180-day bonds (medium term)
├── 20% - Commercial paper (higher yield)
└── 10% - Cash reserve

Ladder Strategy: Invest in different maturities:

January: $1,000 in 90-day
February: $1,000 in 90-day
March: $1,000 in 90-day
Result: Monthly returns starting April