The operating system for modern cooperatives.
Replace spreadsheets, WhatsApp groups, and manual reconciliation with one secure platform — for member onboarding, savings, loans, payouts, dividends, and compliance. Built for the way your cooperative actually runs.
One platform, every part of the operation.
The work that used to live in twelve spreadsheets, three group chats, and someone's laptop — now in one auditable system your members can see into.
A single ledger for contributions, locked savings, loans, and dividends. Members see real-time balances; admins see real-time books.
Dedicated virtual accounts for collections; instant bank payouts for withdrawals, loan disbursements, and dividends — all on the rails.
Member KYC via licensed partners (NG + global), TOTP MFA, AES-256-GCM PII, fraud monitoring, full audit trail, and right-to-erasure.
Four pillars. Eighteen modules. One coherent system.
Every cooperative workflow your members and admins touch — designed to work together, not glued together.
- Digital onboarding
- Profiles & credit
- KYC: manual, NG, intl.
- Roles & access
- Wallets (deposit + dividend)
- Virtual accounts
- Bank payouts
- Multi-currency: NGN/USD/GBP/CAD
- Loan products & catalog
- Credit scoring
- Multi-step approval
- Auto-debit repayments
- Admin analytics
- Dividend declarations
- Notifications & statements
- Fraud monitoring
Whatever your cooperative looks like.
Nexus adapts to how your members already save and lend — not the other way around.
Rotating contributions, tracked members, automated reminders — without the WhatsApp group.
Members on three continents, four currencies, one cooperative. Multi-currency wallets and global access built in.
Working-capital loans for member businesses, with credit scoring grounded in their savings history.
Employee cooperatives with payroll-linked contributions, lifestyle financing, and dividend payouts.
From sign-up to first payout in days, not quarters.
No procurement cycle. No professional services. Set up your cooperative in an afternoon; bring your members on board over the following week.
Create the organisation, set your branding, pick a subscription plan, and configure currencies + KYC method.
Contribution plans, loan products, interest rates, dividend policy, and approval workflows — exactly as your cooperative runs them.
Invite members or share your link. They onboard, complete KYC, fund their virtual account, and start saving — all self-serve.
Treated like the financial infrastructure it is.
Cooperatives hold real money for real members. Nexus is built with the controls a regulator, an auditor, and your most careful trustee would expect — without making day-to-day operations painful.
Opt-in two-factor for members and admins, with recovery codes.
Member PII (BVN, etc.) encrypted in the database with a managed key.
Rule-engine flags on withdrawals: velocity, large amounts, drains.
Cooperative data is scoped at the query layer with a safety-net guard.
Every admin action, every webhook, every decision — written and retrievable.
Closed accounts can be anonymised (PII scrubbed; financial rows retained).
Pick a plan that matches how your cooperative verifies its members.
Every plan includes the full platform. What differs is which KYC methods your members can use — the more methods you unlock, the broader the membership you can serve.
- All platform modules
- Manual KYC (admin review)
- Multi-currency wallets
- Unlimited members
- Everything in Basic
- Automated Nigerian KYC (Dojah)
- Faster member onboarding
- Priority email support
- Everything in Standard
- Global KYC (Sumsub WebSDK)
- Onboard members anywhere
- Named onboarding partner
Prices and per-cooperative limits are agreed during onboarding. All plans include full access to the platform; KYC entitlements are enforced per-plan.
“Nexus is the live operating system of a real cooperative serving its members today — not a demo. Every module on this page is in production.”
We work directly with each cooperative we onboard. Start a conversation and we'll walk through the platform with your trustees.
What cooperative leaders ask before they switch.
If your question isn't here, the answer is almost certainly yes — let's talk.
Who holds the money — Nexus, or our cooperative?
Your cooperative does. Nexus is the management layer; member funds sit in dedicated virtual accounts and your payout rails (via our licensed banking partner). We move money on your instruction; we never custody it.
Is Nexus a regulated financial institution?
No, and we don't need to be. Nexus is software. The regulated activities (account issuance, payouts, KYC) run through licensed partners — Fincra for payments, Dojah and Sumsub for identity verification.
Can we leave with our data?
Yes. Your member, contribution, loan, and dividend records are exportable. Right-to-erasure is built in for individual members, and a full export is available to the cooperative on request.
Will Nexus look like our cooperative, or like Nexus?
Yours. Per-cooperative branding (name, logo, colour) is built in. Members see your cooperative; Nexus runs in the background.
How do you handle multiple countries and currencies?
Multi-currency wallets in NGN, USD, GBP, and CAD, with FX configured per cooperative. International members can be onboarded with Sumsub WebSDK; Nigerian members can use Dojah for instant verification.
What happens if a member's identity verification fails?
Nothing breaks. Any uncertain or failed automated verification falls back to manual admin review — we never auto-reject a legitimate member.
How long does onboarding take?
A few hours to spin up the cooperative and configure rules. Most cooperatives are live with their first member contributions within two weeks.
Bring your cooperative into the modern era.
Book a 30-minute walkthrough with your trustees. We'll show you the admin dashboard, the member experience, and exactly how onboarding works for a cooperative your size.