FR
ENCrowdlending
Join the ecosystem's projects starting from 50,000 FCFA.
- Three funds depending on your budget and your goal
- The choice to be a project co-owner or a lender repaid with interest
- Verified projects with a partner financial institution
Context
Crowdlending is a global trend, estimated at nearly $357 billion in 2026 with over 18% annual growth. Our ecosystem is adopting it to become community-driven, on the model of Anglo-Saxon investment clubs.
Problem
GAB Mobile Money (27,600,000 FCFA) and Wifi Zone (3 to 5 million) aren't accessible to everyone. And a tontine just circulates money among its members, without putting it to work in projects.
Solution
Three funds. The Caisse Projet finances a specific project with the community. The Caisse Classique puts your capital to work for market needs. The Caisse Spéciale gives access, by invitation, to exclusive opportunities. A partner financial institution verifies the guarantees and compliance of every fundraise.
Key figures: the three funds
| Fund | Entry ticket | Return | Duration | Access |
|---|---|---|---|---|
| Caisse Projet | from 50,000 FCFA | Depending on the project: dividends (co-ownership) or capital plus interest (loan) | Depending on the project | Open |
| Caisse Classique | from 500,000 FCFA | Currently 20% per year, variable rate depending on the market | 2 years, interest paid every six months or every year, your choice | Open |
| Caisse Spéciale | By invitation | 2 to 3 times the Caisse Classique depending on the opportunity | Less than a year (6 to 9 months) | Reserved for Caisse Classique members |
How the Caisse Projet works
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A project lead contributes 25 to 35% of the ticket: about 6.9 to 9.6 million FCFA for a GAB Mobile Money, about 750,000 to 1.75 million for a Wifi Zone (indicative, depending on the throughput).
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After verification by our regulated partner, the community funds the rest, starting from 50,000 FCFA per person.
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The project lead chooses the formula: co-owners who receive dividends based on their share, or lender investors repaid in capital plus interest on the announced dates. Community members then choose whether or not to join.
Caisse Classique rates aren't fixed: "20% today" is a current opportunity.
Caisse Projet availability. The Caisse Projet is only open to investors when a project is open and led by a project lead. In the meantime, two options: sign up for the crowdlending waitlist, choosing GAB Mobile Money or Wifi Zone, or join the Caisse Classique right away from 500,000 XAF. A third path exists for an investor who already has at least 25% of a project's amount and wants to get started: become a project lead.
Rates are not fixed and may change depending on the market and opportunities. Both lending and co-ownership carry a risk of delay, non-repayment, or loss.