Trusted at scaleThousands of Nigerians already grow their money with Halo
- ₦570M+
- Assets under management
- 4,500+
- Active investors
- 200+
- Businesses served
- 12+
- Countries reached
- SEC-regulated investments
- CBN-licensed banking
- NDIC-insured deposits
- No. 1 equity fund, 2025
Grow with the Halo Equity Fund , 82% YTD
Diversified, professionally managed exposure across Naira and USD assets, with a 2025 return drawn from audited statements, not projections. Start from any amount, watch it compound, and withdraw on your terms.
- YTD return
- 82%
- 2025 return
- 103%
- Since inception (2024)
- 167%
- Assets under management
- ₦570M
- Professionally managed by an SEC-licensed investment team
- A disciplined, long-term strategy built for compounding
- Audited results and independent custody, not projections
Past performance is not a guarantee of future results. Investments are subject to market risk. The Halo Equity Fund is managed by Halo Nigeria Capital Management Ltd, licensed by the Securities and Exchange Commission (SEC), with assets held in segregated custody by Rand Merchant Bank Nigeria, trustee Greenwich Trustees Limited, and audited by PML Professional Services.
One connected platformOne account. Every way to grow.
Halo is not a single product. Each part works on its own, and together they compound, so your money keeps moving whether you are saving, investing, transacting, or building with your community.
Build wealth together
Two ways to grow with your people. Casual investment Clubs with friends, and full digital tools for registered Societies. They work differently on purpose.
Lagos Alumni Club
12 members
Leaderboard
This month
- 1Chidi@chidi94
- 2Amaka@amaka91
- 3You@you88
Contributions
8 of 12 members
Every member invests from their own account. Money is never pooled.
Clubs
Invest with your circle
For friends, colleagues and alumni who want to invest together, socially, without anyone holding the money. One strategy, many individual accounts, one leaderboard.
- Invite friends, colleagues or alumni in minutes
- One shared strategy, funded from each member's own account
- Climb an engagement leaderboard, never ranked by naira
- No pooling and no treasurer, so there is nothing to guard
Societies
Run your cooperative properly
For registered cooperatives, associations and staff schemes that need contributions, loans, esusu and member records, all on regulated rails your members can trust.
- Automated contributions with reminders and full records
- Cooperative loans with guarantors and approval flows
- Digital esusu with clear, visible payout positions
- Runs on CBN-licensed, NDIC-insured banking rails
Unity Staff Cooperative
248 members
Contributions
231 of 248 paid
₦4.2M
Esusu · Round 4 of 12
Next payout: Mrs. Adeyemi
Loan approved · ₦350,000
2 guarantors, disbursed
Banking by Halo Microfinance Bank Ltd. CBN-licensed, NDIC-insured.
Savings goals
Rent for the year
₦816,000
of ₦1,200,000
Auto-save ₦100,000 / month
School fees
₦850,000
Emergency fund
₦500,000
Savings & InvestmentsSave and invest in one place, on your terms
Structured savings plans, curated investment opportunities, and competitive yields - all in one unified Halo account.
- Goal-based plans with flexible top-ups and withdrawals
- Curated USD and Naira investments, fully managed for you
- Compounding interest with transparent rates and no hidden fees
Send money
To
Aisha Bello
GTBank · ****1234
₦50,000
Instant · ₦0 feeChinedu O.
Access
Zainab A.
GTBank
TransfersSend and receive money, instantly and securely
Move funds between banks, cards, and digital wallets in seconds - locally and internationally - with bank-grade security.
- Instant local transfers across Nigerian banks
- Multi-currency wallets for Naira and USD
- Batch payments and beneficiary management for repeat sends
Your loan
Approved
₦350,000
Decision in 2 minutes
Next repayment
₦31,200
Due Aug 5 · 3 of 12 paid
Clear terms and schedule. No surprises.
LendingFlexible credit, approved quickly
Access loan products tailored to your financial profile with transparent rates and quick approvals - no paperwork loops.
- Personalized credit limits based on your Halo activity
- Clear repayment schedules, no surprises
- Top-up and roll-over options for growing needs
Lagos Alumni Club
12 members
Leaderboard
This month
- 1Chidi@chidi94
- 2Amaka@amaka91
- 3You@you88
Contributions
8 of 12 members
Every member invests from their own account. Money is never pooled.
Clubs & SocietiesBuild wealth together with Halo Clubs
Turn your circle into an investment club: one shared strategy, where every member invests from their own account. No pooling, no treasurer, nothing to trust anyone with.
- Run cooperatives, esusu, and investment clubs on one platform
- Your money stays in your own account, never pooled with other members
- Compete on a leaderboard ranked by engagement, never by naira
Treasury
Cleared today
₦240,500,000
327 transactions · 0 failures
Naira wallet
₦180.2M
USD wallet
$42,000
Maker-checker controls on every transfer.
Built For BusinessesAccelerate your Business Growth with Halo's Tailored Banking Infrastructure
Halo provides regulated digital banking infrastructure designed to help businesses manage funds, optimize treasury operations, and scale with confidence. From payments and placements to reporting and governance, we deliver the tools modern organizations need to grow efficiently.
Transfers
Secure local and batch fund movements.
Placements
Optimize idle funds with structured returns.
Beneficiary Management
Organize and authorize payees with ease.
Reports and Insights
Real-time visibility and financial tracking.
Banking-as-a-ServiceStart leveraging our Banking-as-a-Service Solution to Grow Your Business
From wallet issuance to treasury optimization and investment integration, Halo's Banking-as-a-Service infrastructure provides the secure, scalable foundation you need to expand services, deepen customer engagement, and accelerate growth.
Company Wallet
Centralized digital wallets for real-time fund control and visibility.
Account Management
Structured account issuance with secure oversight and compliance.
Embedded Savings and Investment
Integrated savings and investment tools to grow user balances.
Product experienceYour whole financial life, in one app
Designed to feel effortless, whether you are saving for rent, investing in the fund, or moving money to family.
Good morning
Adaeze
Total balance
₦1,284,500
+2.4% this month
Bank with ease
Balances, transfers, and bills in one clean dashboard.
Portfolio
GrowingTotal invested value
₦606,200
+₦188,400 all time
Halo Equity Fund
1,240.5 units
₦486,200
+103%
Naira portfolio
Money market
₦120,000
+14%
USD portfolio
Managed
$310.00
+9%
Watch it grow
Track your Halo Equity Fund units and portfolio in real time.
Savings goals
Rent for the year
₦816,000
of ₦1,200,000
Auto-save ₦100,000 / month
School fees
₦850,000
Emergency fund
₦500,000
Reach your goals
Set real targets and dates, and automate every contribution.
Security & ComplianceYour money is protected by independent oversight
Every layer of the structure answers to someone independent, and we invite you to check. Our licences are verifiable directly with the SEC and the CBN.
SEC-regulated investments
The Halo Equity Fund is managed by Halo Nigeria Capital Management Ltd, licensed and supervised by the Securities and Exchange Commission of Nigeria.
CBN-licensed, NDIC-insured banking
Deposits are held with Halo Microfinance Bank Ltd, licensed by the Central Bank of Nigeria, with deposits insured by the NDIC.
Independent custody
Fund assets are held in segregated custody by Rand Merchant Bank Nigeria, never by Halo itself.
Trustee and audited results
Greenwich Trustees Limited oversees the fund on behalf of investors, and performance is independently audited by PML Professional Services.
FAQQuestions, answered
What is the Halo Equity Fund?
It is an SEC-regulated equity mutual fund managed by Halo Nigeria Capital Management Ltd. It returned 103% in 2025 (audited), and its assets are held in segregated custody by Rand Merchant Bank Nigeria. Past performance is not a guarantee of future returns.
How do I start investing?
Download the Halo app on iOS or Android, verify your identity in minutes with your BVN or NIN, fund your account, and invest from any amount. No branch visit required.
Can I withdraw my money?
Yes. Savings plans are flexible, and the Halo Equity Fund is open-ended, so you can redeem your units subject to the notice periods set out in the fund's Trust Deed.
What returns can I expect?
Returns vary with the market and are never guaranteed. The fund returned 103% in 2025, audited by PML Professional Services, but past performance is not a guarantee of future returns.
How do Societies & Clubs work?
You and your group invest around one shared strategy while every member keeps and funds their own account. Money is never pooled, and members are ranked on a leaderboard by engagement, never by naira amounts.
Is Halo licensed and regulated?
Yes. Investments are managed by Halo Nigeria Capital Management Ltd (SEC-licensed), and banking is provided by Halo Microfinance Bank Ltd (CBN-licensed, with NDIC-insured deposits). Both are verifiable directly with the regulators.
How is my money and data protected?
Every account is protected with bank-grade encryption, continuous monitoring, and strict access controls, backed by independent compliance reviews. Fund assets sit with an independent custodian, not with Halo.
Open your Halo account in under five minutes
Download the app, verify with your BVN or NIN, and put your money to work today, saving, banking, and investing in one place.
Download the Halo app on iOS or Android - get started in minutes.