Small change.A bigger
tomorrow.
Your everyday spending. A little set aside.
Meet Zentile: spare-change investing for Nigeria.
MADE FOR NIGERIA / THE BEGINNING
Small change.A bigger
01 / BUILT AROUND REAL LIFE
Your life.
Your life.
Your say.
Could spare-change investing fit into your everyday?
We’re exploring the idea. Your honest opinion
will help us shape what comes next.
Take the survey (opens Google Forms in a new tab)
3–5 minutes. No right or wrong answers.
Even “this isn’t for me” helps.
02 / A DIFFERENT PERSPECTIVE
A little today.
A little today.
A longer
view.
Round-ups gather. Smart Pause checks.
Collected funds enter your chosen portfolio.
Progress, with room for real life.
01 / THE EVERYDAY, REIMAGINED
There’s a little more
in your everyday.
Coffee on the way. Bread for the house.
Life happens in little transactions.
What if a little of each could go further?
YOU SPEND₦2,420Coffee & bread. Just a normal morning.
YOUR ROUND-UP₦80A small beginning, quietly set aside.
THE LITTLE THINGS ADD UPA record of
A record of
possibility.
We round purchases up to the next ₦100 and keep a running total. These are calculated round-ups—your money hasn’t moved yet.
ZENTILE / EVERYDAY LEDGERILLUSTRATION
THE MOMENTYOU SPENTROUND-UP
01 Coffee & bread₦2,420+ ₦80
02 Your ride home₦3,260+ ₦40
03 A few groceries₦6,540+ ₦60
CALCULATED CHANGE₦180 / ₦1,000
Accumulating, little by little₦0 moved
02 / A QUIETER WAY TO INVESTLESS TO DO. MORE TO BUILD.
Life goes on.
So does
your progress.
You live your day. Zentile connects the little moments into something with a longer view.
BUSINESS AS USUAL
Spend normally.
The things you already do, with the bank account you link. No new spending habits needed.
A LITTLE ROUNDING UP
Find the spare change.
A ₦2,420 purchase becomes a calculated ₦80 round-up. Small amounts. A simple starting point.
LET THE LITTLE THINGS COLLECT
Give it a little time.
Round-ups gather in your virtual ledger. At ₦1,000, an exact ₦1,000 batch is prepared. Any extra round-ups carry forward to the next batch.
CALCULATED FIRST. COLLECTED LATER.A CONSIDERED PAUSE
Check before collecting.
Smart Pause checks your available balance before a batch debit. If there isn’t enough, the batch waits.
LOOK A LITTLE FURTHER AHEAD
Put it towards tomorrow.
After collection is confirmed, your contribution goes toward the investment option you choose. You can pause future round-ups when you need to.
03 / BUILT WITH A LITTLE CONSIDERATIONMEET SMART PAUSE
YOUR EVERYDAY COMES FIRSTBefore we move
Before we move
a single naira,
we check.
TRY THE BALANCE CHECKAn interactive preview. No bank account or money is involved.
Collection paused.
The balance check stopped this batch before debit. Your round-ups stay in place.
A balance check helps reduce the risk of an ill-timed debit.
It cannot guarantee affordability or prevent every failed payment.
04 / MAKE IT YOURSCHOICE, WITH CLARITY
Different paths.
Your kind of progress.
Before the investing becomes automatic, the choice should feel clear. Understand your options, then decide what fits your life.
01 / KNOW WHAT YOU OWN
Understand first.
Know how an option works, what could change its value, and when you can access your money. Clarity comes before commitment.
THE FIRST PRINCIPLEKnow the risks before you choose.
- Understand
- What your money holds
- Compare
- Risk, costs and access
- Decide
- At your own pace
02 / KEEP THE CONTROL
Choose your way.
Choose an investment direction and let future round-ups follow it. A change of direction won’t quietly sell what you already own.
BUILT AROUND YOUYour choice leads the way.
- Future round-ups
- Follow your choice
- Existing holdings
- Stay unless you request a change
- Every step
- Clear before you act
Investing involves risk, including loss of capital. Before you invest, you’ll see the product details, costs and withdrawal terms.
05 / A CONVERSATION BEFORE A LAUNCHTHE ZENTILE SURVEY
Before we build
the next chapter,
let’s hear yours.
YOUR EVERYDAY. YOUR POINT OF VIEW.
We’re exploring a simple way to build investment habits from everyday spending. Before launch, we want to understand the people we’re building for.
Tell us what makes sense, what doesn’t, and what you’d want to see. You don’t have to like the idea to help make it better.
Share your thoughts (opens Google Forms in a new tab)Opens our survey in Google Forms.
06 / GOOD QUESTIONSA little
A little
clarity.
Money is personal.
You deserve a clear picture.
Is Zentile available yet?
We’re building Zentile, starting in Nigeria. Join the waitlist for launch updates. Joining is free and does not create an investment account or move any money.
Do you debit every time I spend?
No. Each eligible purchase adds a calculated round-up to a virtual ledger. Once the total reaches ₦1,000, Zentile prepares one ₦1,000 batch and carries any extra forward. A real debit happens only after the required checks.
What happens when my balance is low?
Smart Pause holds the batch before debit when the balance check fails. Your round-ups stay in place, and you’re notified. Collection can continue only after another check passes.
How will my money and data be handled?
A round-up in your ledger is a calculation, not money held by Zentile. Customer investments will be kept separate from Zentile’s operating funds through regulated arrangements. We won’t store your bank password or raw card details.
Can I pause or withdraw?
You can pause future round-ups. Withdrawals depend on the investment you hold and may take time to settle. You’ll see any applicable terms and charges before you invest.
What will Zentile cost?
Joining the waitlist costs nothing. We’ll show the subscription price and any investment charges clearly before you subscribe or invest. No payment is taken on this website.
A NEW CHAPTER STARTS SMALLNIGERIA / COMING SOON
Be
first.
SOMETHING GOOD IS TAKING SHAPE.Let’s make a little
Let’s make a little
more of the everyday.
Join the Zentile waitlist. Be part of the beginning, and hear from us as we get ready to launch.
Built for everyday progress.From little things, tomorrow.