Borrow against
your shares,
not sell them.
Pledge the shares you own and spend against them with the Zerocard card, bank transfers and cross-border payments. Your shares stay in your name.
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Tranched
KulipaPledge,
don't sell
Turn shares you already own into a credit line. If they rise while they are pledged, the gain is still yours.
Dangote Cement
DANGCEM · Pledged
₦10,000,000
Market value
Credit used
₦2,000,000 of ₦6,129,217
Available
₦4,129,217
Rent paid · Today
−₦2,000,000
SafeSpend it
anywhere
Pay with the Zerocard card, send to any Nigerian bank, or pay across borders. Every payment shows which balance it comes from.
Pay only for
what you use
Interest accrues daily on what you draw, not on your whole limit. Repay early and you pay less.
How it works
Three steps
1
Pledge your shares
Connect your CSCS account and choose what to pledge. A lien holds the shares; they stay in your name.
2
Get your credit line
Your limit is set from each share's own price swings and updated every trading day.
3
Spend and repay
Use the card, a bank transfer or a cross-border payment. Repay any time and your credit refills.
Built to stay safe
Marked to market,
every day
Every pledged share is priced at the NGX close each trading day. If prices fall, we warn you early so you can top up or repay. If we ever sell, we sell only what is owed.