Your money,
Invested the
right way.

AltInvest is an investment platform by The Alternative Bank, a CBN-regulated bank in Nigeria. It gives you different ways to put your money to work beyond just saving it, so your cash can earn real returns.

Yes. AltInvest is a product of The Alternative Bank, which is regulated by the Central Bank of Nigeria. It is a real, regulated financial product.

Not really. You only need to know how much you want to invest, how long you are okay not touching it, and what kind of return you are hoping for.

All investments carry some level of risk. AltInvest is built around ethical, asset-backed investments, meaning your money is typically tied to real assets or real economic activity such as gold, vehicles, trade activity, and similar structures. The products are designed with risk management in mind, and The Alternative Bank operates under CBN regulation.

Yes, real money. Returns mean the profit or gain you make on top of what you invested.

No. Some AltInvest products are Shariah-compliant, meaning they are structured to avoid interest and certain prohibited activities. But anyone can invest in them.

Saving is putting money aside and leaving it. Investing is putting money to work so it can grow, usually over a defined period.

Download the AltInvest app on iOS or Android and complete your KYC verification. Once verified, an Alternative Bank account will automatically be created and linked to your AltInvest profile.

Fund the Alternative Bank account linked to your AltInvest profile. Once funded, you can use the balance in the app to invest in any available product.

Yes. During signup, an Alternative Bank account will automatically be created and linked to your AltInvest profile.

Off-app investments are exclusive, limited-allocation opportunities. To express interest, complete the interest form and send it to [email protected].

Your principal and any applicable returns will be credited back to your wallet or account. You can then withdraw or reinvest.

Yes. You can split your funds across multiple products based on your goals and risk appetite.

AltInvest lets you buy into gold digitally, starting from one gram. You own real gold without needing to store a physical gold bar.

Your return is tied to the global gold price. If gold rises after you buy, your holding becomes worth more. If it drops, your value reduces temporarily.

No. Gold returns are market-linked and not guaranteed. Short-term dips in gold prices can affect your holding value.

It means you do not have to buy a whole gold bar. You can own a fraction of gold, starting from one gram.

Yes. Gold has no fixed tenor. You can sell through the app at the prevailing market price whenever you are ready.

Gold is suitable for people worried about naira depreciation and inflation, first-time investors, and anyone who wants to diversify beyond cash savings.

Sukuk is like buying a small stake in a real asset or project and earning a share of the income it generates.

Yes. Sukuk is open to everyone. It is ethically structured, interest-free, asset-backed, and transparent.

Sukuk offers up to 13% returns over a 30-day tenor. It is one of the most accessible products on the platform.

Yes. Sukuk is deliberately designed to be accessible for everyday investors.

Your capital is channelled into tangible assets and infrastructure projects. Returns come from the income those assets generate.

Yes. Many investors reinvest their principal plus returns when one tenor matures.

Sukuk is ideal for beginners, people who want short-term returns, Muslim investors looking for a Halal product, and anyone who wants money working for 30 days.

The EV Financing Note channels your investment into electric vehicle financing and sustainable mobility, with returns of up to 15% per annum over one year.

No. You are funding EV financing activity. Your money is asset-backed, but you are an investor, not a car owner.

You get exposure to a one-year, asset-backed investment with an ethical and sustainability-focused angle.

No. “Up to 15%” is an indicative ceiling, not a guarantee. Returns depend on the underlying EV financing activity.

No. The tenor is 365 days, and your capital is committed for that period.

For EV Financing Note, ₦100,000 is the minimum. If you are starting smaller, Sukuk may be a better entry point.

It is for investors with at least ₦100,000 to commit for a year, especially those seeking ethical, medium-to-high return opportunities.

Trade Finance Notes fund real business activity such as imports, exports, inventory, and working capital. Returns can be up to 20% per annum.

It has a higher minimum and one-year lock-in. Returns come from real margins generated by trade finance activity.

You get access to the highest-return product on the platform, with potential returns of up to 20% per annum.

Trade Finance Notes are backed by real commercial activity, but risk still exists. The structure and underlying assets help manage that risk.

The document does not specifically classify Trade Finance Notes as Shariah-compliant. Please confirm with the AltInvest team before investing.

High-net-worth individuals and sophisticated investors with ₦1,000,000 or more to commit for one year.

USD investments can help protect purchasing power from naira depreciation because your money is held and returned in dollars.

It is a USD asset-backed treasury investment deployed into real trade and lease activity, designed for capital preservation and income.

Up to 6% per annum, paid in USD.

Returns are distributed quarterly, meaning every three months.

The tenor is 12 months.

No. The $10,000 minimum is fixed for this fund.

Complete the expression of interest form and send it to [email protected]. Allocations are limited.

The fund is built around asset-backed trade and lease income. For formal Shariah advisory confirmation, contact the AltInvest team.

WasteBanc is a waste management and recycling business scaling in Nigeria. Investors become profit-sharing partners in its growth.

WasteBanc is structured as a Mudaraba profit-sharing arrangement, not equity ownership. You benefit from growth without taking equity dilution risk.

The catch is time and liquidity. It is a 5-year non-redeemable investment.

It means you cannot exit before the 5-year term ends. Only invest money you genuinely will not need during that period.

Profit distributions are semi-annual, meaning twice a year.

Mudaraba is an Islamic finance partnership where one party provides capital and the other provides management. Profits are shared based on a pre-agreed ratio.

₦10,000,000 is the stated minimum. Contact [email protected] to confirm if there is any flexibility.

Returns are profit-based, so they reflect actual business performance. If WasteBanc underperforms, returns may be lower than the target.

Long-term investors with significant capital, people comfortable with illiquidity, and investors seeking growth allocation without listed equities.

Start with Sukuk. It has a ₦10,000 minimum, 30-day tenor, and up to 13% returns.

Sukuk is still a strong option. You can also split some into Sukuk and some into Gold.

You can consider EV Financing Note if you can commit for one year, while also using Sukuk and Gold for balance.

Trade Finance Notes become available to you. You can also combine Trade Finance, Sukuk, and Gold for a layered portfolio.

The USD Liquidity Fund may be suitable. It has a $10,000 minimum, returns in dollars, and quarterly income.

Consider the WasteBanc Scale-Up Participation Certificate, with a ₦10 million minimum, 5-year tenor, and target returns of up to 20%.

Sukuk is explicitly Shariah-compliant. WasteBanc is structured as Mudaraba. The USD Fund is asset-backed. Gold is a permissible asset class. For certainty, contact the team.

On-app products are available directly in the mobile app. Off-app products require direct contact through [email protected]. Gold, Sukuk, EV Financing Note, and Trade Finance Notes are on-app. USD Fund and WasteBanc are off-app.

Fixed-tenor products do not allow early withdrawal. Gold is flexible, while Sukuk has a short 30-day commitment.

Please confirm directly with the AltInvest team, especially for higher-minimum off-app opportunities.

It means the return is a target or expected return, not a guaranteed fixed number.

The difference is currency, liquidity, and risk profile. USD is defensive and capital-preserving, while naira Trade Finance is higher-yield active investing.

Send an email to [email protected] or message @altinvestng on social media.

Each product has its own minimum entry requirement. Once your investment matures, you can withdraw or reinvest.