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The short answer
A Fixed Box locks your naira until a date you choose, at a rate shown before you commit. An Investment Box puts your money towards Solid Allianze Microfinance Bank's lending, including Loans on Spaces, and the return depends on how that lending performs. Both are held to maturity, so neither suits money you may need early.
The short version
| Fixed Box | Investment Box | |
|---|---|---|
| What your money does | Held as a fixed-term naira deposit | Funds Solid Allianze MFB's lending, including Loans on Spaces |
| What the return depends on | The rate shown in the app when you lock | How that lending performs |
| Access | Held until the end date you chose | Held to maturity |
| Where to see figures | In the app before you lock | In the app before you commit |
| Good for | Known-date bills: rent, fees, events | Money you can leave for the full term and whose return can vary |
How the Fixed Box works
You choose an amount and an end date, read the rate shown in the app, and confirm. The money is held until the end date. Because the rate is shown upfront, you can work out in advance what the Box should hold at the end, which makes it a good match for a bill you know is coming. Naira deposits with Pryme are held by Solid Allianze Microfinance Bank Ltd, licensed by the CBN and insured by the NDIC up to the applicable limit. More detail is in Fixed Box: how locking works.
How the Investment Box works
Money in an Investment Box goes towards the lending that Solid Allianze MFB does, including Loans on Spaces, the credit customers can spend only with merchants in Pryme's Spaces ecosystem. Your return comes from that lending, so it depends on how the lending performs: how much is lent out and how well borrowers repay. The money is held to maturity.
This makes it a different kind of product from a deposit at a fixed rate. You are taking a share of the outcome of lending, which is why the return is not a promise and can vary. Read the terms in the app carefully before you commit, and see how saving that funds lending works for a fuller explanation.
How to choose
Choose a Fixed Box when
- You need a known amount on a known date.
- You want to know the rate before you commit.
- The goal is rent, school fees, a wedding, a trip or a planned purchase.
Consider an Investment Box when
- You can leave the money untouched for the full term.
- You understand that the return depends on lending performance and can vary.
- You already have an emergency fund in a Flexible Box and your near-term bills are covered.
- You want your savings to fund lending in your own economy.
Choose neither when
The money might be needed before the date. Keep that in a Flexible Box.
What moves returns on each
Both are affected by the wider rate environment. The CBN reset the Monetary Policy Rate to 23% at its September 2026 meeting, from 26.5% at the May and July meetings. Changes in the benchmark tend to move what banks pay on deposits and charge on loans. For a Fixed Box, the rate shown at the time you lock is what you check. For an Investment Box, the return also depends on how the bank's lending performs.
Inflation matters for both. Headline inflation was 14.63% in September 2026, according to NBS figures reported by Voice of Nigeria. A return below inflation still leaves your money buying less at the end than at the start.
A worked example of splitting savings
This example is illustrative and uses no rates. Someone with ₦2,000,000 of savings has rent of ₦800,000 due in eight months and an emergency fund target of ₦600,000.
| Box (example) | Amount | Reason |
|---|---|---|
| Flexible | ₦600,000 | Emergency fund, reachable any time |
| Fixed, ending a week before rent | ₦800,000 | Known amount, known date |
| Investment | ₦600,000 | Money that can stay to maturity |
| Total | ₦2,000,000 |
The amounts add up (₦600,000 + ₦800,000 + ₦600,000 = ₦2,000,000). The point is the order: emergency money first, known bills second, and only money that can wait for the full term in the Investment Box.
What to check first
- Your emergency fund is in place.
- You know when you will need each part of your savings.
- You have read the rate (Fixed) or the terms and how the return works (Investment) in the app.
- You have compared both with the other options on the Boxes page and in which Box for which goal.
Questions people ask
What is the difference between an Investment Box and a Fixed Box?
A Fixed Box locks your naira to a date at a rate shown before you commit. An Investment Box funds Solid Allianze MFB's lending, including Loans on Spaces, and its return depends on how that lending performs.
Is the Investment Box return fixed?
No. The return depends on the performance of the lending it funds, so it can vary. Check the terms shown in the app before you commit.
Can I take money out of an Investment Box early?
Plan as if you cannot. Investment Box money is held to maturity, so only put in money you can leave for the full term.
Which is better for rent money?
A Fixed Box, because rent is a known amount on a known date and the Fixed Box rate is shown before you lock.
Sources
- CBN: Monetary Policy Decisions (307th MPC, 21-22 Sep 2026) · accessed Oct 2026
- Voice of Nigeria: Nigeria's headline inflation drops to 14.63 per cent (16 Oct 2026, NBS CPI for Sep 2026) · accessed Oct 2026
This article is general information, not financial, legal or tax advice. Products described are provided under the terms on this site and are subject to regulation and eligibility.