Money for you. Money for the business.
Stocks, fixed income, digital dollars and global markets, explained in plain words. No jargon. Just clear steps you can check for yourself.
Ask TFHWe do not connect your bank. We do not move your money. We do not keep your cash.
- We do not move your money
- We do not connect your bank
- We do not keep your cash
Ask. Do not connect.
Most money apps ask for your bank login first. We ask for something easier. Tell us what the money is for and when you need it. That is all.
1. Tell us the goal.
Rent in March. Stock for the shop. A fund for a rainy day.
2. See where money like yours can sit.
We show real options with dates, minimums and the rules. We also show what can go wrong.
3. Open the offer with the partner.
The partner holds the product. You read the full offer. You decide.
For You
This is rent, daily bills and personal savings. Short-term paper you can hold yourself belongs here too.
Think of the questions people ask us:
- How do I keep money for rent safe until March?
- What should I do with the money left after bills?
- Is it worth starting with ₦50,000?
For the Business
This is inventory, customers and shop cash.
- How do I keep shop money away from my rent money?
- Customers pay late. What do I hold for stock?
- I have cash sitting idle for two months. Where can it work?
Same tools. Different goals.
Treasury bills, commercial paper and money market funds are not "for" one kind of person. A worker saving for rent and a trader waiting for customers to pay can look at the same tools. What changes is how soon you need the money and how much risk you can carry.
| If you need it... | People often look at... | Watch out for... |
|---|---|---|
| Within a few weeks | Money market funds | The fund can change in value. Check how fast you can withdraw. |
| In 3 months or so | Short treasury bills, short company paper | Selling early can be at a lower price. Company paper depends on the company paying. |
| In a year or more | Bonds | The price can move before the end date. |
This table is for learning. It is not advice for you.
More ways money can work
Money does not only sit in one place. Here are the main types we explain, in plain words.
- Treasury bills and bonds. Loans to the government, short or long.
- Commercial paper. A short loan to a company, up to about nine months.
- Debt notes. A longer loan to a company, usually more than a year. Not the same as commercial paper.
- Money market funds. A pool of money that buys short-term paper. A way to start small.
- Shares. A small piece of a company. The price can go up and down a lot.
- Shariah-compliant options. Products built without interest, with a named Shariah adviser. For people who want money that follows their faith.
- Digital assets. Crypto, stablecoins and DeFi. High risk. We explain them so you can stay safe.
Each one has its own page on Resources, with the risks first.
Careful, Steady, Bold
Three words that help sort offers. They are not a recommendation.
Careful. Keeps your money safer and easier to take out. Usually earns less.
Steady. A middle path. Some ups and downs. Takes a little more patience.
Bold. Can earn more, and can lose more. Only for money you can afford to wait on.
Pick the word that matches how you feel about losing sleep over money.
Numbers you can trust
Every figure on this site shows its date and where it came from. If a number is only an example, we say so. If a number looks wrong, write to us. We fix mistakes fast and tell you what changed.
A simple estimate
Estimate only. Not a promise. The partner sets the final rate and terms.
Sample figures. Not live.
Rent is due in March
The rate starts from 91-day treasury bill. You can change it.
Estimated gross return = amount × rate × days ÷ 365.
₦3,649
₦100,000 × 12% × 111 ÷ 365 is about ₦3,649
Tax and fees, as an assumption: Sample note only. Fees and tax are not confirmed.
Compare
91-day treasury bill
You reach it through a broker or a licensed app.
12% · about ₦3,649
Money market fund
You open this directly with the partner.
11% · about ₦3,345
Sample labelled fund
You open this directly with the partner.
10% · about ₦3,041
Questions people ask
Does Talkfinancehub hold my money?
No. The partner you open holds it. We never touch your cash.
Do I need to give you my bank details?
No. Never share your BVN, account number, card details, PIN, OTP, wallet seed phrase, private key or wallet password with anyone claiming to be us.
Is this financial advice?
No. We explain. You decide. Read the Disclaimer.
Do you cover shares, Shariah-compliant products and crypto?
Yes. We explain each one, with the risks first. We only point to partners who hold the right licence. We never tell you what to buy.
Is crypto legal in Nigeria?
Digital assets are regulated by the Securities and Exchange Commission. Platforms must be licensed. They are not legal tender, and they carry high risk. Read the Resources page.
How do you earn money?
We may earn a fee when you open an offer through us. It does not change how we explain the risks.