Save and invest,
the calmer way.
Jara Capital is a new app for Nigerians who want serious returns without the noise. Build flexible savings, buy local stocks, hold audited mutual funds, in one quiet, regulated home for your money.
Good Morning, Olaoluwa
Here is what is happening with your finances today.
Two paths. Save what you have, invest what you can spare.
Every product is registered with the Securities and Exchange Commission of Nigeria and held in trust by an independent custodian. You own your money, always.
Build your savings steadily, with full access.
Set a daily, weekly or monthly autosave from ₦100. Pull money back to your bank whenever you need it. No locks, no penalties, no drama.
Own shares in Nigerian companies.
Pick from blue-chip NGX listings. Buy fractional shares from ₦500. Returns grow as the companies grow.
Professionally managed, audited monthly.
A curated basket of bonds, money market and equity, balanced by our investment team.
Bring a friend, earn ₦5,000.
Share your code. When five invited friends fund their first plan, ₦5,000 lands in your Jara wallet. Repeat as many times as you like.
Earn USD interest, sleep through naira drama.
Park funds in audited dollar instruments. 7.4% USD yield, withdrawable to your domiciliary account. Rolling out in wave two.
When you join, here is what your money could actually do.
Drag the sliders. Pick a plan. We use the audited net return our partner funds have delivered over the last five years. Numbers are illustrative, before tax.
Past performance is no guarantee of future returns, but it is a strong hint. Underlying products are managed by SEC-registered fund managers.
Rate: 22.1% per annum, compounded monthly. 22.1% historical net yield.
Join the waitlist today.
Drop your email. You will get a unique referral code and a place in line. Five referrals jump you to the front.
Open your account in 90 seconds, on launch day.
Fingerprint plus a four digit lock. We pull your KYC from BVN, no paperwork, no branch visit, no relationship manager.
Pick the tempo of your money.
Auto save on Flexible, invest with Stocks or Mutual Fund, refer friends to grow your wallet. Adjust whenever life shifts.
Watch it work, withdraw on cue.
Interest accrues daily. Pull funds back to your bank in under 60 seconds whenever you need them, with zero penalty.
The app is almost here.
Get yours before everyone.
Drop your email. We will send your invite the moment your wave opens. Refer five friends and skip the line entirely.
- Skip the queue, get day-one invite
- Founding member badge in-app
- 0.5% bonus interest for life on Flexible
- 5 referrals = ₦5,000 instant credit
Money should make more sense than this.
Seven questions our pre-launch team gets every week. Honest answers, no asterisks.
Talk to a humanWhen can I actually use the app?
Public launch is Q2 2026. We are inviting waitlist members in waves of about 2,000, starting March. Every wave will be notified by email seven days ahead with a direct App Store and Google Play link.
Why a waitlist at all?
Two reasons. First, we want to onboard slowly so customer support can answer every email by a human in under two hours. Second, the first cohorts get a founding member badge plus 0.5 percent bonus interest on Flexible Savings, for life.
Is Jara regulated?
Yes. We are registered as a fund and portfolio manager by the Securities and Exchange Commission of Nigeria, licence 0421/CMO/2021. Customer funds are held in trust by Stanbic IBTC, completely separate from Jara operating accounts.
How do you generate returns up to 22 percent?
Pooled funds are invested in a mix of FGN treasury bills, FGN bonds, commercial paper from investment grade corporates, and a small slice of equity baskets. Mutual Fund is the most aggressive, Flexible Savings is the most conservative.
Will I be charged fees?
Flexible Savings: zero fees for retail savers. Stocks: standard NGX brokerage of 0.55 percent per trade, no Jara markup. Mutual Fund: 1.0 percent management fee per year, deducted daily.
How does the ₦5,000 referral bonus work?
When you join the waitlist you get a unique code. Once five friends fund their first Jara plan after launch, ₦5,000 is credited to your wallet. You can repeat this with each new batch of five referrals, no cap.
Can I use Jara if I live outside Nigeria?
Yes, as long as you have a valid Nigerian BVN. Dollar Vault, our second wave product, will support SWIFT deposits from over 80 countries.