Get digital
The union's five digital programmes
Training in digital assets, a route into the financial markets, help launching a token, registration in the union's projects, and investment in real world assets. Five doors, all opened by the union office. Read the risk note first — it is short, it is not decoration, and it changes what the rest of this page means.
Read this first
These programmes sit outside the savings and share business
The cooperative's main business is plain: you save weekly with your cluster, every entry is recorded, and the published terms say what you are owed after thirteen Saturdays and after fifty-two. The five programmes on this page are not that business. They are separate, they carry their own risk, and the savings terms do not reach them.
The four sentences that matter
These programmes sit outside the cooperative's savings and share business. The 30% annual savings interest does not apply to any of them. Digital assets can lose value, and they can lose all of it. Never put money here that you cannot afford to lose.
That is not a legal formula written to protect the union. It is the practical difference between two kinds of money. Your savings sit under a written term with a date attached to it. Money in a trading account, a token or an asset register sits under the price somebody else is willing to pay, which can move against you on a Tuesday afternoon for reasons that have nothing to do with you, the union or Africa.
The union runs these programmes because members are already in this market, usually without training and often through whoever reached them first. Teaching a member how the market works, and opening a door the office can stand behind, is safer than pretending the market is not there. It is not safer than staying out. If you read this page and decide to keep saving on Saturdays and do nothing else, you have made a decision the union respects.
Why there is no outside link on this page
A forwarded link is one of the commonest ways money disappears in this market. Every one of the five programmes below is opened by the union office, in writing, and the office confirms the destination to you directly. If you find a link elsewhere using the Requiza name and offering any of this, do not use it — send it to requizacooperative@gmail.com so the union can check it and warn the clusters.
| The published term | Savings & shares | These five programmes |
|---|---|---|
| 30% annual interest, paid at the end of the member's financial year | Applies to savings | Does not apply |
| 12 months of weekly, uninterrupted saving before withdrawal | Applies to savings | Does not apply |
| Loan may be requested after 3 months of consistent savings | Applies to savings | Money here does not count towards it |
| Dividend at 31 December, from the cooperative's businesses | Applies to shares held by a qualifying saver | Does not apply |
| Entered in your weekly cluster record by the financial secretary | Yes — savings, loans, repayments, investment | No, unless the office says so in writing |
| The value of what you hold can fall | A share can lose value; savings are recorded at the amount entered | Yes, and it can fall to nothing |
The left column is quoted from the union's operational terms. Read them in full on the operational terms page before you commit money anywhere.
The hub
The five programmes
Each one is set out below: what it actually is, who it suits, who should leave it alone, and what the union has not yet published about it. None of them is opened from this page.
- Register for the Crypto Academy A taught course. Learn how digital assets work before you put a naira into them. One
- Trade crypto and other financial markets An account in your own name, opened after training. The union does not hold it or trade it. Two
- Launch your token For a member or cluster with a working project and a specific reason to issue one. Three
- Register in projects for multiple streams of income Subscribe to the union's quarterly projects at ₦1,000 a share, minimum 100 shares. Four
- Invest in real world assets A digital register of ownership in something physical — land, plant, storage, stock. Five
Programme one
Register for the Crypto Academy
The academy is a taught course, not a product. It exists because a member who is losing money in digital assets is usually losing it to something a week of teaching would have caught — a fee they did not read, a key they handed over, a desk that was never real.
The course covers what a blockchain actually records and what it does not; what a wallet is, what a private key is, and the difference between an exchange holding your coins and you holding them; how to read a price chart without believing it; how fees, spreads and slippage take a bite out of every trade before you are right or wrong about anything; and how the common frauds are built — the guaranteed-return desk, the coin whose only business is recruitment, the fake support account, the friendly "account manager" who offers to trade on your behalf.
It sits beside the Streams of Income Business School. The business school teaches how a person builds more than one income. The academy teaches the vocabulary and the arithmetic of one particular market, so that a member can decide whether to be in that market at all. Deciding to stay out is a valid result of the course and the union counts it as a success.
What the academy does not do: it does not manage money for you, it does not tell you what to buy, and it does not promise that a trained member makes money. Trained people lose money too. What training gives them is the ability to see why, and to stop.
Who it suits
A member who has already been approached by somebody selling a coin. A member whose children are trading. A cluster officer who has to answer questions about it. And anyone considering the other four programmes on this page — the union's position is that you take the academy first.
What you need
A device with a browser and an email address you actually check. The union asks every member whether they have an Android phone, because the back office and the course material assume one. If you do not have one, say so at registration and the office will tell you how your cluster handles it.
What the union has not published yet
- Course fee
- To be published
- Intake dates
- To be published
- Where classes are held
- To be published
- Who teaches it
- To be published
The union opens this through the office
There is no sign-up form on this page and no outside link. Write to the office, or raise it at your cluster meeting on Saturday at 5:00pm, and the office will confirm the intake and the fee to you in writing before you pay anything.
Programme two
Trade crypto and other financial markets
Some members want to trade — crypto, currencies, commodities, index products. The union's role here is narrow, and it is worth stating exactly: it points members to the training and to the route for opening an account, and that is all. The account is opened in your own name. The money in it is yours and stays under your control. The union does not hold it, does not trade it, does not manage it and does not guarantee anything about it.
That narrowness is deliberate. The moment a cooperative starts trading members' money on their behalf, members lose the ability to see what happened to it — and once you cannot see your own money, you are relying on somebody's word for it. Here you can always see it, because it is in your account, on your device, in your name.
What the union will tell you plainly, because the training says it: trading is a way to lose money as well as make it, and the people who are hurt worst are the ones who started with money they needed. Leverage — trading with borrowed size — turns a fall in price into a total loss faster than anything else in the market. There is no signal group, mentor or robot that removes that, and anybody who tells you otherwise is selling you something.
On borrowing to trade
The union has not published a rule on whether a cooperative loan may be used for trading. Until it does, treat it as not allowed and ask the office first. A loan is repaid out of your income on a fixed schedule; a trading loss does not care about your schedule.
Who it suits
A member who has finished the academy, keeps their Saturday savings going untouched, and is using money that could go to zero without changing how the family eats this month. Someone who can write down, before they open a position, the price at which they will close it.
Who should leave it alone
Anyone who would reduce or stop their weekly savings to fund it. Anyone borrowing — from the union, a bank or a relative. Anyone who was shown a screenshot of somebody's profit and is here because of it. Anyone who is behind on rent, school fees or medicine.
What the union has not published yet
- Which brokers or exchanges
- To be published
- Any fee the union takes
- To be published
- Loans and trading
- To be published
The union opens this through the office
The office confirms the route in writing and will not open it for a member who has not been through the academy. Nothing on this page opens an account, and no one from the union will ever open one for you or ask for your login.
Programme three
Launch your token
This is the narrowest of the five and the one with the highest bar. It is for a member or a cluster running a real project with a specific, unglamorous reason to issue its own instrument: recording membership in a scheme, controlling access to a service, settling accounts inside a supply chain, tracking units of something that exists in a store somewhere.
The desk takes you through four questions before anything is issued. What is the token for? Who holds it? What stands behind it? Who is allowed to create more of it, and under what rule? A project that cannot answer all four on one page is not ready, and the union will say so rather than help you launch.
Two things the union will not do. It will not help launch a token whose intended buyers are the member's own downlines — that is not a project, that is a collection, and it ends with members owing each other money and an explanation. And it will not describe any token as an investment with a return. A token is not an ordinary share in the cooperative. It carries none of the union's published terms, no dividend, and no interest.
Who it suits
A member with a working business, real customers and a use for the token that survives being explained to a sceptical relative in one sentence. A cluster running a scheme with many small units to track.
Who should leave it alone
Anyone whose plan begins with raising money from other members. Anyone who wants a token because tokens are doing well. Anyone who cannot say what happens to holders if the project closes next year.
What the union has not published yet
- Desk fee
- To be published
- How long a review takes
- To be published
- What the desk will and will not build
- To be published
The union opens this through the office
Start by writing one page: what the project sells, who buys it, and what the token would do that a spreadsheet cannot. Send it to the office. The first answer is often "not yet", and that answer is free.
Programme four
Register in projects for multiple streams of income
This is the programme closest to the cooperative's own business, and the only one on this page where the union's published figures apply directly.
- ₦1,000 One ordinary share The published share value. A share is a stake in a business — it is not savings and it earns no interest.
- 100 Minimum shares per project ₦100,000 at the published share value. That is the smallest subscription the union accepts in a project.
- 20 / 80 Cooperative / members How the equity in each quarter's new stream of income is split between the cooperative and the subscribing members.
The union builds businesses — food production, food processing, food packaging and food distribution — and members subscribe to them by taking shares. Every quarter a new stream of income is created, and the equity in it is split 20% to the cooperative and 80% to the members who subscribed. That split is the whole arrangement in one line.
What is "digital" about it is only the route. Registration in a project and the position you hold afterwards are handled in your back office rather than on paper, so you can see what you own without asking anyone. The money itself goes into a business that plants, mills, packs or moves food.
And the risk, said plainly: a share is a stake in a business. If the business does well there is a dividend at the financial year end on 31 December — and the dividend has its own condition, active and uninterrupted savings for twelve months. If the business does badly there is no dividend, and the share can be worth less than the ₦1,000 you paid for it. The 30% savings interest belongs to savings. It does not attach to shares.
Read the full terms on savings, shares and dividends, and see how a project becomes a member's stream of income on the streams of income page.
Who it suits
A member already saving weekly who has ₦100,000 that is not needed within the year and who wants to own part of what the union builds rather than only lend to it.
Who should leave it alone
Anyone who would fund it by pausing their savings — pausing costs you the withdrawal right and the dividend right at the same time. Anyone who has not read the specific project's own terms.
What the union has not published yet
- Register of open projects
- To be published
- Each project's accounts
- To be published
- How a shareholding is transferred
- To be published
- What happens if a project closes
- To be published
Before you subscribe ₦100,000
Ask the office for the register of open projects and the written terms of the one you are joining — what it does, what it has cost so far, and what it has earned. If you cannot get that in writing, do not subscribe. The union opens project registration through the office; there is no link on this page.
Programme five
Invest in real world assets
A real world asset is a thing you could drive to: land, a store, a mill, a cold room, a truck, produce sitting in a warehouse. The digital part is only the register — a record of who owns what share of the thing. The idea behind it is sound. It lets a member hold a fraction of an asset that is far too large to buy alone, and it lets that holding be transferred without a week of paperwork.
It is also where a great deal of money has been lost, because a register is only as good as the asset behind it and the law that recognises it. A record can say you own a tenth of a warehouse and still leave you with nothing if the warehouse is not there, if the title is in somebody else's name, or if no court will enforce the record.
So there are three questions to ask before any naira moves, and the union expects you to ask them of the union as firmly as you would ask a stranger. Where exactly is the asset — town, address, plot. Whose name is on the title. And who is able to sell it, pledge it or borrow against it without your consent. If any one of the three cannot be answered in writing, the answer to the offer is no.
Held well, this is the least speculative of the five, because the value follows a physical thing rather than a price on a screen. Held badly, it is the most dangerous, because the paperwork hides the failure for years.
Who it suits
A member who wants exposure to something they can go and look at, who is patient, and who understands that an asset is not cash — selling a tenth of a mill takes time and may take a loss.
Who should leave it alone
Anyone who might need the money back on a date. Anyone offered a fixed monthly return on an asset — a mill does not pay a fixed rate, and a promise that it will is a promise about somebody else's money.
What the union has not published yet
- Asset register
- To be published
- Who holds the title
- To be published
- Valuation and who values it
- To be published
- How a holding is sold
- To be published
- Insurance on the asset
- To be published
The union opens this through the office
Until the register above is published, treat every real world asset offer made in the union's name as unconfirmed and bring it to the office before you act on it.
Non-negotiable
Four rules the union will not bend
These hold for all five programmes, for every cluster, and for anybody who ever contacts you using the union's name.
Nobody will ever ask for your private key
Not the office, not a trainer, not an administrator in a group, not "support". Your seed phrase and private key are the wallet itself. There is no process in this union, or anywhere legitimate, that needs them. Anyone who asks is trying to empty your wallet.
Money never goes to a person
Payments go to the union, against a written instruction from the office, and you get a record. If someone asks you to send to a personal account or a personal wallet, stop, and write to requizacooperative@gmail.com with their name and what they said.
No rate on this page is guaranteed
The union publishes its rates in the operational terms, and they belong to savings and to the union's own packages — not to anything on this page. If someone quotes you a guaranteed return on a digital programme in the union's name, report them to the office.
This is not investment advice
The union teaches and it opens a door the office can stand behind. It does not tell you what to buy, when to buy it or how much, and it does not carry the loss if you are wrong. Every decision on this page is yours, made with your own money.
The route
How the office opens any of these
The same four steps every time, whichever of the five you want. Nothing is opened on a phone call and nothing is opened from a link somebody forwarded you.
Ask
Write to the office, or raise it at your cluster meeting on Saturday at 5:00pm. Name which of the five you want and say what you already know about it.
Get it in writing
The office replies with what the programme is, what it costs, where the money goes, and what you are agreeing to. If the reply is not in writing, you have not been answered.
Decide at home
Take the letter home and read it against this page. If a figure in the letter is not on this page, ask why before you agree to anything. There is no deadline and no closing slot.
Keep the record
Keep every receipt and every letter. Your savings and share positions stay visible in your back office; anything the office records for you should appear there too, within the week.
If your question is really about savings
A question about this page is often really a question about the savings year. Those are answered on savings, shares and dividends and in the questions members ask, including what happens if you miss a Saturday and whether you can take money out early.
Ask before you pay. Asking costs you nothing.
The office answers questions about all five programmes, and it answers "this is not for you" as readily as it answers anything else.