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Embedded Savings and Investments

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Portfolio

Growing

Total 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%

HaloBuilt For Businesses

Integrate Wealth-Building Tools Directly Into Your Platform

Halo enables businesses and fintech platforms to embed regulated savings and investment products directly within their ecosystems.

Through Halo Nigeria Capital Management Ltd, our SEC-regulated asset manager, your platform can offer customers structured savings plans, fixed-income products, and curated investment opportunities in Naira and USD, without building internal investment operations.

From goal-based savings to professionally managed portfolios, Halo provides the regulatory foundation, technology stack, and API infrastructure to power seamless wealth-building experiences.

HaloBuilt for Growth

Smarter Capital Growth, Embedded Within Your Experience

  • Goal-Based & Fixed-Term Savings

    Offer flexible savings plans that help users build discipline and achieve financial milestones through structured deposits.

  • Naira & USD Investment Products

    Give customers professionally managed instruments across Naira and USD, including fixed-income products and units in the Halo Equity Fund.

  • Automatic Interest Capitalization

    Earnings are calculated and reflected transparently, with automated growth tracking and reporting.

  • Flexible Liquidity Options

    Enable users to choose maturity-based withdrawals or reinvest for compounded returns.

Halo user managing investments on phone
HaloEmbedded Wealth Capabilities

Transform Idle Balances Into Growth Opportunities

Halo's Embedded Savings & Investments solution allows platforms to evolve from transactional services into long-term financial ecosystems.

Halo business partnership

Increase User Retention

Savings and investment features deepen engagement and strengthen long-term customer relationships.

Enhance Financial Inclusion

Provide users access to professionally managed investment products within a trusted digital environment.

Unlock New Revenue Channels

Monetize financial products through embedded yield and structured investment offerings.

Seamless API Integration

Expose savings and investment capabilities through secure APIs, enabling integration directly within your app interface.

Built for Embedded Finance & Platform Expansion

Halo's Embedded Savings & Investments solution empowers:

  • Fintech platforms integrating wealth tools inside their apps
  • Corporations offering structured savings programs to employees
  • Associations and communities enabling collective financial growth
  • Businesses seeking to optimize user wallet balances

By combining licensed asset management with scalable APIs, Halo transforms savings and investments from standalone products into integrated platform features.

Transform Your Financial Infrastructure

Halo enables businesses to move beyond traditional banking limitations. Build smarter financial ecosystems and deliver more value to your customers.

Get Started

Banking services are provided by Halo Microfinance Bank Ltd, licensed by the Central Bank of Nigeria (CBN) for microfinance banking.

Asset and investment management services are provided by Halo Nigeria Capital Management Ltd, licensed by the Securities and Exchange Commission (SEC).

Halo

Halo is a savings and investment platform focused on helping Nigerians improve their personal and small business finances.

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Licensed by CBN
Microfinance Banking
SEC Regulated
Investment Management

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Banking services are provided by Halo Microfinance Bank Ltd, a microfinance bank licensed by the Central Bank of Nigeria (CBN). Asset and investment management services are provided by Halo Nigeria Capital Management Ltd, licensed by the Securities and Exchange Commission (SEC). Our financial products and solutions cater to the banking and investment needs of individuals and institutional clients. We provide investment services and other financial products through our web and mobile applications.

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