Stackly Save
Saving that sticks.
Target, Lock and Circle plans, with auto save that runs on your schedule.
Explore SaveRent 2027₦640,000 of ₦1,000,000Auto save every Friday
Example
How Stackly works
Four habits.
One stack.
Each one builds on the one below it. Save first, invest what you will not need soon, learn as you go, and earn rewards for all of it.
EarnPoints, streaks and referral rewards
LearnStackpedia lessons and quizzes
InvestTreasury bills, commercial paper, funds
SaveTarget, Lock and Circle plans
The shape of the Stackly logo, and the order to build in.
Two ways to grow.
Short term discipline and long term returns, side by side in one app.
Stackly Invest
Real markets.
Real returns.
Treasury bills, commercial paper and funds managed by Lagerfield Capital.
Explore InvestCircle Pool
Ajo, without the notebook.
Invite people you trust. Everyone pays in each cycle, one member collects the pot on their turn, and Stackly keeps the record and sends the reminders.
Saving toward one shared target instead? A Circle Goal lets friends or family track one goal together, with interest shared by what each member put in.
How Circles work
₦600,000pot this cycle
A
T
K
B
Z
C
Turn 3 of 6. Ada collects this cycle. Example
Get smarter. Get rewarded.
Stackly teaches the money basics and rewards the habits that build wealth.
Stackpedia
Learn the money basics.
Short lessons and quizzes, from budgeting to Treasury bills, a few minutes at a time.
Start learningLesson 3 of 5 · Investing basicsWhat is a Treasury bill?
Example
Rewards
Earn for good habits.
Points and streaks for saving, finishing lessons and inviting friends, redeemable in the app.
See how rewards work12day streak2,450points
Example
Guarded at every step.
Security is built into every money movement, not added on top.
Biometric sign in
Your face or fingerprint on your own phone, with a PIN as the backup.
Approvals on your device
Payments are approved on the phone you registered, so a stolen password is not enough.
Withdrawal safeguards
A short waiting period applies after a new device or a new bank account is added.
Two person review
Large and unusual money movements are checked by two people before they go through.
Lagerfield Capital is registered and regulated by the Securities and Exchange Commission, Nigeria. Client funds are held with a licensed custodian, separate from company money. Identity checks by Smile ID, payments by Flutterwave, and personal data handled under the Nigeria Data Protection Act 2023.
Up and running in three steps.
- 1
Create your account
Sign up with your phone number and verify with your BVN or NIN, the same checks your bank uses.
- 2
Fund your wallet
Add money by card or bank transfer, then switch on auto save so your balance grows on its own.
- 3
Start your first plan
Pick a savings goal, join a Circle or buy an investment, and watch your stack grow.
Questions, answered.
Fresh from the blog.
Money guides, promotions and product news from the Stackly team.
Start your stack.
Save, invest, learn and earn in one app built for Nigeria.
Coming soon foriPhone
Coming soon forAndroid
The app is in its final testing stage.
Stackly Save
Saving that sticks.
Save alone, with family or with a group you trust, and keep every naira moving toward a goal.
Four ways to save.
Target
A goal with a date.
Rent, school fees, a new laptop. Set the amount and the date, and auto save fills the bar while you get on with life.
School fees₦320,000 of ₦500,000Due 5 January 2027
Example
Lock
Commit and earn more.
Lock money away for a fixed period at a higher rate. You choose the maturity date before you start, and breaking early gives up the interest.
Locked until 12 March 2027₦250,000Interest paid at maturity
Example
Circle Pool
The ajo, done properly.
Members pay in each cycle and each one collects the pot on their turn. Stackly tracks every payment and sends the reminders.
Circle Goal
One target, together.
Pool toward one shared goal with friends or family. Everyone sees the same progress, and interest is shared by what each member put in.
Auto save
Move money aside daily, weekly or on payday, straight from your wallet.
Honest interest
Rates are shown before you commit. Withholding tax of 10% on interest is deducted at payout, as the law requires.
Your money, your bank
Withdrawals go only to the bank account verified in your name.
Ready to start saving?
Open an account in minutes and set up your first goal.
Stackly Invest
Real markets.
Real returns.
Treasury bills, commercial paper and SEC regulated funds, managed by Lagerfield Capital and sized so you can start without a fortune.
Which one is right for you?
Treasury bills
Short term debt issued by the Federal Government of Nigeria, among the most secure naira instruments there are.
- Issued by
- Federal Government of Nigeria
- What you know up front
- Tenor and value at maturity
- Need cash early?
- Sell at market value
Commercial paper
Short term notes from established Nigerian companies, paying higher yields, with the issuer disclosed before you buy.
- Issued by
- Established Nigerian companies
- What you know up front
- Issuer, rate and maturity
- Need cash early?
- Sell at market value
Managed funds
SEC regulated funds managed by Lagerfield Capital, diversified and professionally run for steady growth.
- Managed by
- Lagerfield Capital
- What you know up front
- Price and income terms
- Need cash early?
- Redeem, with part of the income given up inside the holding period
Up to 20%1Indicative yearly yield
Set by the Investment Committee. Varies by instrument and tenor.
₦100,0002Minimum to start
Higher minimums apply to select offers.
At marketExit before maturity
Sell eligible holdings at the prevailing market value.
Capital at risk. Investments carry risk and returns are not guaranteed. The value of investments can fall as well as rise, and past performance is not a reliable guide to future results. Read each offer's documentation before investing.
What could your money earn?
Try an example. The rates are illustrations of indicative yields, not quotes. Live rates are shown on each offer in the app.
₦
Value at maturity
₦592,247
Interest earned₦92,247
Matures on
Minimum for this instrument₦100,000
Simple interest for the tenor: amount × rate × days ÷ 365, before fees and any tax. An illustration only, not an offer or a promise of returns. Capital at risk.
From cash to invested in three steps.
- 1
Choose an offer
Every offer shows its rate, tenor and maturity before you commit.
- 2
Place your order
Pay from your wallet or bank. Your order is allocated and appears in your portfolio.
- 3
Earn and track
Watch interest build to maturity, then reinvest or have the proceeds paid to your bank.
Put your money to work.
Open an account and see the live offers.
Stackpedia and Rewards
Get money smart. Get rewarded.
Short lessons and quizzes that make personal finance simple, with points and streaks for every good habit.
Lessons
A few minutes at a time.
Modules that build from money basics to saving, investing and risk.
Quizzes
Lock in what you learn.
Quick checks at the end of each lesson, so the idea sticks.
Rewards
Earn as you go.
Points and streaks for saving, finishing lessons and referring friends, redeemable in the app.
Learn today. Earn tomorrow.
Every lesson makes your next money decision a better one.
Stackly Blog
Money, made clearer.
Guides, promotions, product news and stories from the people building Stackly.
The Stack
One short email, every other Friday.
New guides, open promotions and product news. No spam, and you can unsubscribe in one tap.
By subscribing you agree to receive marketing email from Lagerfield Capital. See the Privacy Policy.
Keep reading
All postsStackly for Business
Put your company's cash to work.
Manage treasury, earn on idle balances and invest surplus funds in SEC regulated instruments, with the roles and approvals a business needs.
Business accounts open soon. Register now and the team will contact you first.
Treasury
Earn on operating cash.
Hold operating cash, sweep the surplus into short term instruments, and keep the liquidity you can call back.
Investments
Corporate scale access.
Treasury bills, commercial paper and managed funds for your company, managed by Lagerfield Capital.
Controls
Directors, signatories and roles.
Add directors and signatories, invite your finance team with the right access, and require a second approval on every money movement.
Compliance
Guided business activation.
Contact person, business details, controlling directors and documents, in one guided flow, with statements and a full audit trail.
Building a product of your own? A partner API is on the roadmap. Email enquire@stackly.ng to talk to the team.
Built for every kind of organisation.
If your organisation holds cash it does not need this month, it can earn on it.
Growing businessesSchoolsChurches and mosquesCooperativesAssociationsHospitals and clinicsCorporates
What you need
Documents to open an account.
- CAC certificate of incorporationOr registration certificate for an association or cooperative
- Memorandum and articles, and a CAC status reportFor limited companies, showing current directors and shareholders
- Board resolutionAuthorising the Stackly account and naming the signatories
- Proof of business addressA recent utility bill or tenancy agreement
- Identity of each controlling directorNIN, international passport or driver's licence
- A bank account in the business nameWithdrawals go only to this account
Built in controls
No single person can move the money.
Every withdrawal and investment is started by one person and approved by another. Nobody can approve their own request, and every action is recorded in an activity log your auditors can review.
From sign up to invested.
- 1
Create the account
The contact person signs up with a work email and confirms it.
- 2
Verify the business
Add business details and directors, and upload the documents. The team reviews them.
- 3
Set up your team
Invite signatories and colleagues, and choose who starts payments and who approves them.
- 4
Fund and invest
Transfer to your dedicated account number, then send your first investment for approval.
Business questions.
Register your interest.
Business accounts open soon. Tell us about your organisation and a person will reply by email.
Business accounts open soon.
Register your interest and be among the first organisations to put idle cash to work.
About Stackly
Money confidence for every Nigerian.
Stackly closes the gap between saving and investing, with the tools, access and trust once kept for the few.
Who is behind Stackly
Stackly is the savings and investment app from Lagerfield Capital Limited (RC 1789232), a Nigerian asset and fund management company. It brings the familiar ways Nigerians save, the ajo, the target and the group contribution, together with regulated access to the money and capital markets.
The job is simple: make it easy to start, keep your money safe, and be straight with you about rates, fees and risk.
Access
Low minimums and a product anyone can understand the first time.
Trust
A regulated structure, licensed custody and security in every step.
Clarity
Plain language on every rate, fee and risk, before you commit.
Talk to the team.
Questions, partnerships or press.
enquire@stackly.ng
Suite 16, Trocadero Square, Lekki, Lagos, Nigeria
Help
Questions, answered.
Can't find what you need? Email enquire@stackly.ng and a person will reply.
Making a complaint.
If something has gone wrong, tell Stackly. Every complaint is logged, acknowledged and answered.
- 1
Send the details
Email enquire@stackly.ng with the subject "Complaint". Include your registered phone number, what happened, when, and any transaction reference.
- 2
Get a reference
You receive an acknowledgement with a complaint reference, so you can follow it up.
- 3
Escalate if needed
If you are not satisfied with the outcome, you can escalate the complaint to the Securities and Exchange Commission, Nigeria.
Security
Your money, guarded.
How Stackly protects your account, your money and your data, and how you can protect yourself.
Your account
Locked to you and your phone.
- Biometric sign in, with a transaction PINYour PIN is stored only as an irreversible hash
- Payments approved on your registered deviceA password alone cannot move money
- A waiting period after big changesNew device, new bank account or a PIN reset
- Sign out any device from the appIf your phone is lost or stolen
Your money
Held apart, checked twice.
- Client funds with a licensed custodianSeparate from Lagerfield Capital's own money
- Withdrawals only to your own verified bank accountThe account name must match your verified identity
- Two person review on large or unusual movementsChecked by two staff before they go through
- Daily reconciliation of every balanceThe records must add up every day
Your data
Encrypted and never sold.
- Encryption in transit and at rest
- Handled under the Nigeria Data Protection Act 2023
- Biometric data never leaves your device
- Shared only with vetted partners, as neededSmile ID for identity checks, Flutterwave for payments
Stay safe from scams
Stackly will never ask for your PIN.
No one from Stackly will ever ask for your PIN, password or one time code, by phone, SMS, email or social media. Stackly will never ask you to move money to a "safe" account.
If someone does, stop, do not share anything, and report it to enquire@stackly.ng.
Found a security issue?
Report it privately to enquire@stackly.ng with the subject "Security". Include the steps to reproduce it, and please do not access other people's data or disrupt the service while testing.
Legal
Terms, privacy and risk.
The agreements that govern your use of Stackly. Effective 4 August 2026.
Operator. Stackly is provided by Lagerfield Capital Limited (RC 1789232), Suite 16, Trocadero Square, Lekki, Lagos, Nigeria, registered and regulated by the Securities and Exchange Commission, Nigeria. Contact: enquire@stackly.ng.
1. Eligibility
You must be at least 18, resident in Nigeria or otherwise eligible, and able to enter a binding contract. Some features open only after identity verification.
2. Your account
- Give accurate information and keep it current.
- You are responsible for activity on your account and for keeping your password, transaction PIN and device secure.
- Report any unauthorised access straight away. One account per person, and accounts cannot be transferred.
3. Identity and anti money laundering checks
To comply with Nigerian law, Stackly verifies your identity and screens against sanctions lists. You authorise Stackly and its partners to collect and verify your BVN, NIN and government ID. Stackly may ask for more information, restrict an account, or report activity to the NFIU where required.
4. The services
- Wallet: hold, add and withdraw funds, within the limits of your verification tier.
- Savings: Target, Lock and Circle plans. Interest rates are indicative and accrue as stated for each plan.
- Investments: access to investment products where available. Returns are not guaranteed.
5. Fees and transactions
Fees are shown before you confirm a transaction. You authorise transactions with your PIN or biometrics, and authorised transactions are generally final. Stackly may refuse, hold or reverse a transaction to comply with the law or manage risk.
6. Governing law
These terms are governed by the laws of the Federal Republic of Nigeria. Contact enquire@stackly.ng to resolve any dispute.
This is a plain language summary. The full Terms of Service govern your use of Stackly.
Who is responsible. Stackly is operated by Lagerfield Capital Limited (RC 1789232), which processes your personal data under the Nigeria Data Protection Act 2023. Data Protection Officer: enquire@stackly.ng.
Data collected
- Identity: name, date of birth, photo or selfie, government ID, BVN, NIN, proof of address.
- Contact: phone, email, address, next of kin.
- Financial: balances, savings and investment activity, linked bank details, transaction history.
- Device and usage: device identifier, app version, IP address, diagnostics.
Your transaction PIN is stored only as an irreversible hash, and biometric data never leaves your device.
How it is used
To provide the services, verify identity and run anti money laundering and fraud checks, process transactions, contact you, and comply with the SEC, CBN, NFIU and other regulators. Marketing is sent only with your consent, which you can withdraw at any time.
Partners
Only what is necessary is shared with vetted partners: Smile Identity for BVN, NIN, ID and liveness checks, and Flutterwave for deposits, withdrawals and bank account verification. Your personal data is never sold.
Security and retention
Encryption in transit and at rest, hashed credentials, role based access and monitoring. Identity and anti money laundering records are kept for the minimum period the law requires, generally at least five years after the relationship ends.
Your rights
Within legal limits you may access, correct, delete, restrict or port your data, withdraw consent, and complain to the Nigeria Data Protection Commission. Email enquire@stackly.ng to use any right.
This is a plain language summary. The full Privacy Policy governs how your data is handled.
Risk disclosure. Investments carry risk. The value of investments can fall as well as rise, past performance is not a reliable guide to future results, and you may get back less than you put in. Interest and returns depend on the terms of each product and on market and regulatory conditions.
Indicative rates are estimates set by the Investment Committee of Lagerfield Capital. They are not promises or guarantees. Nothing in Stackly is investment, tax or legal advice. Where required, investment products are offered under the rules of the Securities and Exchange Commission.
Consider your circumstances and seek independent advice if needed. Read each offer's documentation, including its rate, tenor, minimum and early exit terms, before you commit.