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The short answer
Investify is the part of PiggyVest that lists investment offers from other businesses, both fixed-income deals with a fixed rate and equity deals whose return depends on the exit value. PiggyVest says it vets each offer before listing, but returns are not guaranteed, and leaving early means selling your units to other users for a 1% to 3% commission.
Investify sits beside the savings products in the PiggyVest app, and it is a different kind of thing. A Safelock or a Flex balance is a savings product run by PiggyVest. An Investify listing is an opportunity to put money into somebody else’s business or asset, with PiggyVest acting as the shop window. That difference shapes almost every risk below. This article is based on PiggyVest’s FAQ as read in October 2026; it is general information, not investment advice.
What Investify lists
PiggyVest’s FAQ describes two broad types of offer:
| Type | How you earn | Main risk |
|---|---|---|
| Fixed income | A fixed interest rate stated on the listing, paid over or at the end of the term | The business behind the deal fails to pay as promised |
| Equity | A share of the value when the investment exits | Returns “are not fixed and are dependent on exit value”, so you can earn less than you put in |
Each listing carries its own minimum. The FAQ says only that minimums “vary by investment opportunities”, so read the minimum, the tenor and the payout schedule on the listing itself rather than assuming one figure applies to all.
How PiggyVest says it vets offers
The FAQ says PiggyVest has “ensured the risks are minimal by conducting Due Diligence and ensuring they meet our Criteria before listing”. It does not publish what those criteria are, who the counterparties are as a class, or what happens if a counterparty defaults. Due diligence lowers the chance of a bad deal; it does not remove it. A fixed rate is a promise by the borrower, not a guarantee by PiggyVest, and PiggyVest’s own terms state there is no guarantee that asset values will not fall.
Getting out before maturity
There is an exit route, and it is worth understanding before you buy. The FAQ says you can leave before maturity by selling your units to other customers in the app, with a trade commission of 1% to 3% depending on the investment type. Two things follow from that:
- You need a buyer. A sale to other users only happens if someone wants your units. The FAQ does not promise a buyer will be found or at what price.
- The commission comes off what you receive. On a quick exit it can take a large share of the return you earned.
Worked example: the cost of an early exit
Example only. You put ₦300,000 into a fixed-income listing and, three months in, want the money back. Suppose a buyer takes your units at ₦309,000 (principal plus accrued return).
- At 1% commission
- ₦309,000 × 1% = ₦3,090; you receive ₦305,910
- At 3% commission
- ₦309,000 × 3% = ₦9,270; you receive ₦299,730, which is ₦270 less than you invested
The same exit can leave you ahead or slightly behind depending on the commission band, which is why the band matters before you invest, not after.
Questions to ask before you invest
- Who is the business on the other side, and what does it do with the money?
- Is the return fixed or does it depend on an exit value?
- What is the tenor, and when is money paid out?
- Which commission band applies if you sell early, and is there any market for these units?
- What happens to your money if the business pays late or not at all?
- Is any investment manager involved registered with the SEC? You can check on the SEC’s directory of registered operators.
- Could you afford to leave this money untouched until maturity?
If the answer to the last question is no, a withdrawable product such as Flex Naira, or a fixed-term lock you can live with, is probably a better fit. Our comparison of Safelock and Flex Naira covers that choice.
How Investify compares with a money market fund
A money market fund pools many investors’ money across Treasury bills and other short-term instruments, so no single borrower decides your return; you can usually redeem on set terms. An Investify listing concentrates your money in one deal. That can pay more, but the risk sits on one counterparty. Our explainer on money market funds in Nigeria sets out how pooled funds work, and our guide to investment scams lists the warning signs any offer, on any platform, should be checked against.
Where Pryme fits
Pryme’s Investment Box is a different structure: its money funds Solid Allianze Microfinance Bank’s lending, including Loans on Spaces, and its return depends on that lending, with funds held to maturity. The rate is shown in the app before you commit. See Savings Boxes for how each Box works.
Questions people ask
Is PiggyVest Investify safe?
PiggyVest says it carries out due diligence before listing offers, but returns are not guaranteed. Fixed-income listings depend on the business paying, and equity listings depend on the exit value.
Can I withdraw from Investify before maturity?
Yes, according to the FAQ, by selling your units to other PiggyVest customers in the app. A trade commission of 1% to 3% applies, depending on the investment type.
What is the minimum amount for Investify?
It varies by listing. The FAQ says minimums vary by investment opportunity, so check the listing itself.
Does Investify pay fixed returns?
Fixed-income listings carry a fixed interest rate. Equity listings do not: their returns depend on what the investment is worth at exit.
Sources
- PiggyVest FAQ · accessed Oct 2026
- PiggyVest Terms of Use (updated 25 Jul 2025) · accessed Oct 2026
- SEC Nigeria: Find a Registered Operator · 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.