Frequently Asked Questions

Thamani is built for anyone who wants to grow their money more intentionally. Whether you're just starting your wealth-building journey, an experienced investor looking for new opportunities, or part of the African diaspora seeking access to investments back home, Thamani helps you save, invest and track your financial growth with confidence.

Thamani combines three essential parts of wealth building in one platform: • Purpose-driven savings • Carefully structured investment opportunities • AI-powered financial guidance through Mani Instead of managing your financial journey across multiple platforms, you can plan, grow and monitor your wealth from one place.

Thamani gives you access to carefully structured opportunities across sectors including Agriculture, Real Estate, Energy, Financial Markets and Halal & Faith-Aligned Investments. Availability, eligibility requirements, investment structure, risks and applicable terms vary by product.

Absolutely! Thamani is designed to make wealth building easier to understand, with clear product information and guidance to help you make more informed decisions.

Mani is your intelligent financial guide. It helps you understand your money, explore relevant opportunities, and make clearer financial decisions based on your goals, timeline and preferences you provide. It provides general financial information, tools, and educational insights. Our content is for informational purposes only and does not constitute professional financial, investment, tax, or legal advice. Past performance does not guarantee future results.

No. Thamani is not a bank and does not take deposits in the traditional sense. All funds are held with regulated partner institutions and deployed strictly in line with agreed investment or savings structures.

No. Thamani does not provide brokerage, securities trading, or portfolio execution services. We work with licensed partners where such services are required.

No. Thamani does not operate open public fundraising campaigns. All offerings are curated, structured, and privately arranged with defined terms.

Individuals, Businesses, Cooperatives, Diaspora Africans, and Institutions can use Thamani. Users must complete KYC requirements to access products.

You can open an account by signing up on the Thamani platform, completing KYC verification, and selecting a savings or investment product.

Depending on user type: Valid ID (NIN, Passport, or Driver’s License), Proof of address, and Bank account details. For entities: CAC documents and authorized signatories.

Thamani structures investments across sectors such as Agriculture, Real estate, Energy & procurement, Financial markets, Trade & commerce, and other sector-specific opportunities.

Minimum investment amounts vary by product and are clearly stated before participation.

Yes, returns stated on the platform are guaranteed.

All partners undergo commercial due diligence, legal and compliance checks, risk assessment, and ongoing performance monitoring.

Yes. Fees may include transfer charges, management fees, performance spreads, or platform fees. All fees are disclosed transparently before participation.

No. We prioritize transparency. All potential costs are listed in the product terms before you commit your funds.

Withdrawal rules depend on the specific savings product. Some allow periodic withdrawals (e.g. every 30 days), while others are locked until maturity. All terms are disclosed before participation.

Returns are paid at maturity. Payment timelines are defined per product.

Yes. However, investments carry some level of risk. Savings products emphasize capital preservation, while investment products carry varying levels of risk. Risk disclosures are provided upfront.

Thamani operates within applicable Nigerian laws and works with licensed partners where required.

We maintain KYC & AML processes, partner due diligence, transaction monitoring, and strict data protection protocols.

Thamani offers wallet-based savings, flexible savings plans, automated savings, and short- to medium-term savings plans. Each has defined interest rates and tenors.

Users can view summaries on the platform, receive periodic performance updates, and access investment documentation directly from their dashboard.

Users can reach us via In-app support, Email, or official communication channels listed on the platform.

No. Thamani does not provide personalized investment advice. Users should seek independent professional advice where needed.

All terms, risk disclosures, and agreements are available on the platform, during onboarding, and before participating in any product.