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Fixed-Term Savings

Lock it in.
Collect with returns.

kolopay rewards your financial discipline with interest at maturity. Lock your money for 6 or 12 months and walk away with more than you put in.

6 Month Plan
%5
at maturity
₦200k+ to earn interest
Best Value
12 Month Plan
%10
at maturity
₦200k+ to earn interest
200k
Minimum to earn interest
5%
Returns over 6 months
10%
Returns over 12 months
0
Early withdrawal: fully locked
Why kolopay

Discipline that pays

kolopay is for anyone who wants their money to do more. Lock it in, earn interest, and experience what it feels like to let your money work for you, a powerful first step into building real wealth.

Earn interest

5% over 6 months or 10% over 12 months. Your money earns while you stay disciplined and focused on other things.

Fully locked

Once committed, your funds cannot be accessed until maturity. This prevents impulsive spending and keeps your wealth protected.

Fixed maturity date

Know exactly when you get paid. Plan your finances around a guaranteed maturity date: 6 or 12 months from deposit.

Lump-sum payout

Your principal plus interest paid out in full at maturity. One clean, satisfying collection. Not monthly drips.

Track in real time

Monitor your locked plan, projected returns, and maturity date anytime in the yrkolo app.

Build wealth discipline

The inability to touch your money isn't a constraint. It's the feature. kolopay builds the discipline that creates long-term wealth.

How it works

Lock. Wait. Collect.

Three simple steps to make your money work for you.

1

Choose your term

Decide between a 6-month (5% return) or 12-month (10% return) plan based on your timeline.

2

Fund your plan

Deposit into your kolopay plan. You need at least ₦200,000 saved to qualify for interest at maturity.

3

Wait for maturity

Your plan runs its full term. No early exit. Use this time to save elsewhere or build other goals.

4

Collect principal + interest

At maturity, your full deposit plus earned interest is released back to your yrkolo wallet.

Plan details

What you need to know

Interest thresholdSave ₦200,000+ to qualify for interest
Early withdrawalNot permitted. Plan runs to maturity.
Returns5% / 6 months · 10% / 12 months
PayoutPrincipal + interest at maturity date

Your money should grow
while you sleep.

Start a kolopay plan today and collect with interest at maturity.

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