Savings as a Service

Give your customers a reason to save with you, not under their mattress.

Savings only works if people can see it working.

The goals people actually save toward are specific — school fees for next term, restocking a shop, next year's rent — not an abstract savings balance. Grid Finance's Savings as a Service is built around that:

locked or flexible plans tied to a real goal, funded automatically, visible to the customer the moment a contribution lands.

Plan types

Three ways to save, you set the rules.

Locked until maturity

Customers commit an amount for a fixed term at a rate you define. Early-withdrawal rules, penalties, and rollover behavior are all yours to configure.

Terms you control — 30 days to 24 months, with your own rate table.
Automatic maturity handling — payout or rollover, customer's choice.
Predictable liquidity — you always know what's locked and until when.

Built In

Everything a savings product needs

Goal-based savings

Customers save toward school fees, rent, inventory, or business growth, with locked or flexible plans depending on the goal.

Automated contributions

Recurring debits, standing orders, and wallet top-ups, so saving doesn't depend on someone remembering to do it manually.

Interest and incentives

Set your own rates, bonuses, and loyalty rewards to keep customers saving with you instead of moving funds elsewhere.

Real-time visibility

Customers see their balance and progress the moment a contribution lands, not after a monthly statement.

Built For Real Savers

Saving that fits around a real income.

Most saving in Nigeria happens in small, frequent amounts — a few thousand naira after a good market day, not a fixed sum on the 1st. Grid Finance's savings rails are built for that rhythm.

Micro-contributions— save in amounts as small as ₦500, as often as daily.
Agent and USSD top-ups — no smartphone or bank app required.
Visible progress — every naira saved shows up against the goal, instantly.

FAQ

Common questions

Coming Soon...

Savings as a Service

Launch savings your customers
actually keep.

Fixed, flexible, and goal-based savings — fully branded, fully compliant, live in days.

Multi-tenant financial infrastructure for Nigeria's lenders, savers, and thrift collectors.

Products

Solutions

Company

Grid Finance is a financial infrastructure provider offering lending, savings, and contribution-circle technology to licensed and registered businesses operating in Nigeria. Grid Finance is not itself a lender, deposit-taking institution, or thrift collector, and does not directly offer financial products to end consumers. All lending, savings, and Rounds products are issued and operated by the individual tenant businesses using the Grid Finance platform, in line with applicable CBN regulations. This copy is provided for informational and marketing purposes and should be reviewed by legal and compliance counsel before publication.