WealthSync Get the app
By Smart Stewards

Earn 15–19% a year. Withdraw whenever you need it.

Your savings account is losing to inflation. WealthSync puts 10+ vetted money market funds in one place, from ₦1,000 — so every goal you're saving for is earning while it waits.

Funds managed by SEC-registered fund managers
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SFS Fixed Income
17.1%
annual return
United Capital MM
16.4%
annual return
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What's a money market fund?
2 min read · Explore
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Powered by Cowrywise • Fund Types:
SFS Capital
United Capital
Vetiva
Afrinvest
TrustBanc
What WealthSync is

One app. Every money market fund worth your money.

Most people who want to invest stall at the same place: too many fund managers, no way to compare them, no idea which one fits. WealthSync collapses that into a single list you can read in a minute — return, minimum and risk side by side — and lets you fund any of them from the same wallet.

₦1,000

Start where you are

Minimums start at ₦1,000. No lump sum, no waiting until you "have enough."

10+

Funds, compared for you

Low-risk money market and fixed income funds from SEC-registered managers, ranked by return.

0

Guesswork

Every fund comes with a plain-language explainer, so you know what you bought.

Live on WealthSync

Real funds. Real returns. No lock-in.

These are the funds available in the app today. Returns are annualised and set by each fund manager — they move, and the app always shows the current figure.

Current annual returns
15–19%

Rates vary by fund and move over time. The app always shows each fund's current figure, sorted highest first.

SFS Capital
Fixed income · min ₦5,000
United Capital
Money market · min ₦1,000
Vetiva
Money market · min ₦5,000
Afrinvest
Money market · min ₦10,000
Coral
Money market · min ₦5,000
TrustBanc
Money market · min ₦5,000
and more, added as we onboard managers
Returns shown are indicative and not guaranteed. Past performance does not predict future results.
Savings goals

Give every naira a job

Money sitting in a current account loses value quietly. Money in a money market fund earns while you decide what it's for. Most people run several goals at once.

Emergency fund

Three to six months of expenses, earning interest, withdrawable in days rather than locked away.

School fees

A known date and a known amount. Fund it monthly instead of scrambling each term.

Rent

Annual rent broken into twelve deposits, with the fund covering part of the increase.

Idle cash

Money between decisions. Park it somewhere it grows instead of a savings account paying almost nothing.

Three steps, about five minutes

1

Create your account

Sign up, verify your identity once, and get a dedicated account number for funding your wallet.

2

Pick a fund

Compare return, minimum and risk in one list. Read the two-minute explainer if you want the detail first.

3

Fund it and track it

Transfer in, invest, and watch what you've earned. Withdraw back to your bank whenever you need it.

Users

Built for people already on the journey

WealthSync is for people who prioritise financial education, appreciate financial planning, and are actively building wealth — not chasing quick returns.

5,000
investors on the app
10+
funds available

“WealthSync transformed how I manage money, helping me plan smarter, learn consistently, and build wealth confidently.”

Daniel, Doctor

“WealthSync makes financial education practical, helping me make informed decisions, plan ahead, and grow my wealth.”

Sarah Williams, Abuja
Learn first

The education behind the app

WealthSync is owned by Smart Stewards, where we teach financial literacy through courses and tools. The app is the execution bridge — the place you act on what you've learned, starting with low-risk assets.

MINA is our flagship program — courses, tools, resources and a community in one place. Alongside it sit our other courses for specific parts of your money life.

Explore Smart Stewards
Mutual funds, explained in 3 minutes
In the app · Explore
Risk vs. return, in plain terms
In the app · Explore
Money market vs. fixed income
In the app · Explore
On the roadmap

Funds are the first asset class, not the last

Money market funds are where WealthSync starts, because they're the lowest-risk place to build the habit. These are what we're building next.

Coming soon

Pension

The long horizon. Retirement planning alongside your short-term goals.

Coming soon

Stocks

Higher risk, higher potential return, once the foundation is in place.

Coming soon

Insurance plans

Cover the downside before you chase the upside.

Questions people ask

Is my money safe?

Your funds are held by SEC-registered fund managers, not by WealthSync. We aggregate and give you access; the manager holds and invests the assets.

Can I withdraw whenever I want?

Yes. Money market funds are liquid — withdrawals go back to your bank account, typically within a few business days depending on the fund.

What's the minimum to start?

₦1,000 for the lowest-minimum fund. Each fund sets its own, and the app shows it before you invest.

Are the returns guaranteed?

No. Returns are indicative and set by each fund manager based on what the underlying instruments earn. They move over time.

What does WealthSync charge?

Each fund manager charges its own management fee, which is already reflected in the return you see. Fund minimums and any applicable fees are shown before you invest.

How is this different from my bank's savings account?

Money market funds have historically paid several times what a standard savings account pays, while staying low-risk and liquid.

Start with one fund. Today.

Download WealthSync, or leave your email and we'll tell you when the next features land.

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Not sure where to begin?

Start learning about money

MINA by Smart Stewards brings the courses, tools, resources and community together in one program.

Explore MINA