Crowdyvest
Crowdyvest is a Nigerian fintech platform enabling individuals and small businesses to save, invest, and pay bills via a self-serve web and mobile app. It offers automated savings plans, community-based goal groups (Tribes), multi-currency options, and impact-aligned investments.
- Company typePrivate
- Founded2020
- HeadquartersLekki, Nigeria
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Crowdyvest does
Crowdyvest is a Nigerian impact-driven financial technology platform that delivers digital savings, investment, and bill-payment services to individual consumers and small businesses. The platform is built as a self-serve web application (crowdyvest.com, dashboard.crowdyvest.com) with a native Android mobile app, offering savings plans (Flex with up to 12.5% p.a., Pace for automated recurring savings, and Vault for fixed-tenure deposits at up to 15% p.a.), an investment suite under the 'Yieldplan' brand (Hyperplan with a ₦20,000 minimum and 90/180/360-day tenors; Yield Projects in agriculture and real estate held under a regulated custodian arrangement), multi-currency savings in Naira and US Dollars, a community-based savings layer organized into Tribes (Education, Housing, Business, Travel, Car) that bundles partner offers, and integrated bill vending for airtime, electricity, water, and cable/satellite TV. The platform is positioned as the first digital technology company in Nigeria and Africa to incorporate the UN Sustainable Development Goals into its operations, and is headquartered in Lekki, Lagos, with 11-50 employees.
The business model is asset-light and spread-based: Crowdyvest intermediates between retail savers and vetted impact projects, earning the differential between saver interest (up to 15% p.a.) and project returns (up to 21% p.a.), supplemented by transaction-based fees on bill payments and affiliate/referral commissions from Tribe and Deals partners. Distribution is fully digital and self-serve (PLG), supported by organic social channels (Facebook, Twitter/X, Instagram, YouTube, LinkedIn), PR coverage in Nigerian press (Punch, ThisDay, Guardian, Techpoint, Legit.ng, Disrupt Africa), and brand credibility built from a cluster of 2021 industry awards (African Banker Awards nominee, Global Business Outlook Awards winner, NiTA Most Promising and Most Outstanding Tech Start-Up of the Year). Funding history is sparse: an early-stage investment from Ajayi Solutions (2021-01-01) and a 2022-03-11 round from Africa Startup Initiative, both with undisclosed amounts. Cumulative impact metrics since inception are $30.6M deployed into impact projects and $25.3M paid out to members, with a stated vision of surpassing 5 million members by 2025.
Crowdyvest firmographics
Firmographics- Name
- Crowdyvest
- Legal name
- Crowdyvest
- Website
- https://crowdyvest.com
- Company type
- Private
- Founded year
- 2020
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Crowdyvest is a Nigerian fintech platform enabling individuals and small businesses to save, invest, and pay bills via a self-serve web and mobile app. It offers automated savings plans, community-based goal groups (Tribes), multi-currency options, and impact-aligned investments.
- Ownership category
- akta.pro rank
Where Crowdyvest is headquartered
LocationHeadquarters
- HQ city
- Lekki
- HQ country
- Nigeria
- HQ region
- Africa
Offices1 record
Markets served
Crowdyvest business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Others
Revenue model
- Interest Rate Spread: Crowdyvest generates revenue from the difference between returns paid to savers (up to 15% per annum) and returns earned from impact investment opportunities (up to 21% per annum). The platform acts as an intermediary connecting savers with vetted impact projects.
- Project Investment Returns: Returns from diversified investment offerings including Hyperplan (pooled low-medium risk opportunities across multiple asset classes) and Yield Projects (specific projects in agriculture, real estate sectors) managed under regulated custodian arrangements.
- Partner Commissions: Revenue from partner offers, deals, and discounts through the platform's Tribe Partner ecosystem, including preferential loan rates and transaction commissions.
- Bill Payment Services: Transaction-based revenue from processing bill payments including airtime/data top-ups, electricity bills, water bills, and cable/satellite TV subscriptions.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Usage-based | Pay-as-you-go | Flex Plan - Flexible savings with up to 12.5% per annum |
| Usage-based | Monthly | Pace Plan - Automated recurring savings starting from 3 months |
| Usage-based | Multi-year contract | Vault Plan - Fixed savings with upfront interest payment |
| Transaction based/ take rate | Multi-year contract | Hyperplan - Pooled investment starting at ₦20,000 |
| Transaction based/ take rate | Multi-year contract | Yield Projects - Project-specific investments in real sectors |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels9 records
Crowdyvest product offering
Product offeringCore offering
Crowdyvest is an impact-driven financial technology cooperative that provides digital savings products (Naira and Dollar savings with up to 15% per annum interest), an investment platform called Yieldplan offering access to vetted impact opportunities in agriculture and real estate with up to 21% per annum returns, community-based savings groups called Tribes organized around goals such as Education, Housing, Business, Travel, and Car, as well as integrated bill payment services for airtime, electricity, water, and cable TV subscriptions. Members access the platform through a self-serve web dashboard and Android mobile app.
Product overview
Crowdyvest is an impact-driven financial technology platform offering a unified suite of savings and investment products. The core offering includes Savings (with Vault, Pace, and Flex plans), Dollar Savings, and Tribes (community-based goal savings groups for Education, Housing, Business, Travel, and Car). The investment arm, Yieldplan, provides Hyperplan (multi-asset investment from ₦20,000) and Yield Projects (sector-specific investments in Agriculture and Real Estate). Additional services include Bills & Payments (airtime, electricity, water, cable TV) and Deals & Offers from partner networks. The platform is accessible via web dashboard and Android mobile app.
Differentiator
Problem solved
Functional benefit
Products and services
- Savings Digital savings platform offering up to 15% per annum interest with automated technology for saving and earning interest year-round; designed for individuals and small businesses in Nigeria seeking structured wealth building.
- Dollar Savings Multi-currency savings product allowing members to save in US Dollars while earning interest, providing exposure to a stable currency to hedge against Naira volatility.
- Tribes Community-based savings groups organized by financial goals (Education, Housing, Business, Travel, Car), allowing members to save alongside like-minded individuals and access exclusive partner offers and discounts.
- Yieldplan Wealth building investment platform offering returns on well-vetted impact opportunities for short or long-term investment horizons, providing members access to curated real-sector projects.
- Bills & Payments Integrated bill payment service covering Data/Airtime Top-up, Electricity Bills, Water Bills, and Cable/Satellite TV subscriptions, payable from wallet balance or other methods.
- Deals & Offers Marketplace of discounts, preferential loan rates, and special offers from Crowdyvest and trusted partners, including payment options in instalments and zero-charge transactions.
- Crowdyvest Mobile App Android mobile application enabling users to manage savings, investments, bill payments, and Tribe community engagement on smartphones.
Quantifiable outcome
- Up to 15% per annum on savings products
- +3 more outcomes
Companies that use Crowdyvest
Customer profileSegments2 records
Ideal customer profiles2 records
Crowdyvest technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Crowdyvest partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered minor.
- Vending Partners (Bill Payment)minorPartners enabling bill payment services including data/airtime providers, electricity distribution companies, water utilities, and cable/satellite TV providers. The platform integrates these services into its wallet system for seamless bill management.
- Deals & Offers PartnersminorPartners providing deals, discounts, and preferential loan rates to Crowdyvest members. These partners contribute to the Super Offers feature enabling zero charge transactions and instalment payment options.
- Tribe PartnersminorPartners providing exclusive offers and benefits to members of specific Crowdyvest Tribe communities. These partners enable the 'Super Offers' feature and provide value-added services to tribe members.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Crowdyvest competitors and assessment
Company assessmentBroad incumbents
- FairMoney: Nigeria-focused digital lender and personal finance platform serving salaried and self-employed consumers — comparable on retail consumer finance and app distribution, though lending-led.
- PalmPay: Pan-African mobile payments and consumer wallet operator with strong Nigeria presence — comparable on bill-payment vending and consumer wallet mechanics that Crowdyvest also relies on.
- Moniepoint: Nigerian business banking and payments platform serving SMBs and agents — comparable on the business/SMB side of Crowdyvest's customer base and bill/payments distribution capabilities.
- Kuda Bank: Nigeria-licensed digital neobank providing full current accounts, cards, and savings alongside payments — broader fintech incumbent that overlaps Crowdyvest's bill payments and savings capabilities from a banking base.
- Carbon (formerly Paylater): Nigerian digital lender and personal finance app offering credit, savings, and investments — broader incumbent with overlapping personal finance features but core focus on lending.
- OPay: Large Nigeria-based super-app offering payments, savings, lending, and merchant services — broader incumbent with overlapping bill payments, savings, and consumer fintech surface area.
Direct peers
- Piggyvest: Nigeria's leading digital savings and investment platform offering automated savings, fixed deposits, and investment pocket products to retail consumers — the most direct overlap with Crowdyvest's core offering.
- Cowrywise: Nigerian fintech providing goal-based savings, mutual fund investments, and corporate savings products to individuals and businesses — directly comparable in product mix and customer segment to Crowdyvest.
- Risevest: Nigerian platform offering USD-denominated and Naira investment products in dollar assets, real estate, and fixed income — closely overlapping with Crowdyvest's Yield/Hyperplan USD and impact-investment offering.
Regional players
- Chipper Cash: Pan-African cross-border payments and consumer fintech platform — adjacent geographically beyond Nigeria with overlapping mobile-first consumer financial services in Africa.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Crowdyvest social profiles
Digital presenceCrowdyvest compliance and trust
Trust signalCompliance1 record
Crowdyvest financial estimates
Financial estimateRevenue estimate
Valuation estimate
Crowdyvest leadership team
Management profileNumber of profiles
Profiles1 record
Crowdyvest funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Crowdyvest M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Crowdyvest
What does Crowdyvest do?
Crowdyvest is an impact-driven financial technology cooperative that provides digital savings products (Naira and Dollar savings with up to 15% per annum interest), an investment platform called Yieldplan offering access to vetted impact opportunities in agriculture and real estate with up to 21% per annum returns, community-based savings groups called Tribes organized around goals such as Education, Housing, Business, Travel, and Car, as well as integrated bill payment services for airtime, electricity, water, and cable TV subscriptions. Members access the platform through a self-serve web dashboard and Android mobile app.
Is Crowdyvest a public or private company?
Crowdyvest is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Crowdyvest founded?
Crowdyvest was founded in 2020. It employs 11 to 50 people.
Where is Crowdyvest based?
Crowdyvest is headquartered in Lekki, Nigeria, in the Africa region.
How does Crowdyvest make money?
Four revenue lines are on record. Interest Rate Spread is the primary driver. The others are project Investment Returns, partner Commissions and bill Payment Services.
Who are Crowdyvest's main competitors?
Broad incumbents on record are FairMoney, PalmPay, Moniepoint, Kuda Bank, Carbon (formerly Paylater) and OPay. Direct peers are Piggyvest, Cowrywise and Risevest. Chipper Cash is listed as a regional player.
Does Crowdyvest have an API?
No public API is recorded for Crowdyvest.