| Buyer | Rotterdam cocoa processor |
| Product | Cocoa liquor, 400 tonnes |
| Value | €1,200,000 |
| Pays | Euros, into an account only the bank controls |
| Ships | 14 Nov 2026 |
Back Nigerian companies that earn in dollars, pounds and euros. Get paid in dollars.
For Nigerians at home and abroad. You put money into profitable Nigerian companies in cocoa, whose customers abroad pay them in dollars, pounds and euros. Your share comes back to you in dollars.
Buyer abroadpays in $, £ or €The banktakes your share out firstYoupaid in dollars
How it works
Paid from every export dollar.
A revenue note is simple: you get a fixed slice of what a company’s customers abroad pay it. The bank takes your slice out first, before the company sees the money. Three steps, each handled by someone different.
You
You reserve your place.
Add money by bank transfer or card. It goes to our partner bank, never to Aminco. Reserve your place from your wallet and change your mind free for 48 hours. When the deal closes, the trustee, who acts for investors, releases money to the company only for spending it has checked.
Partner bank · TrusteeReservationExample
$100,000
Example cocoa deal4 years
Our 1% fee, refunded if the deal doesn’t fill$1,000
Cancel free untilWed 14:00
ReserveNot now
The bank
The bank takes your share out first.
The company’s customers abroad pay in dollars, pounds or euros into an account only the bank controls. The same day, the bank moves investors’ agreed share out, switches it into dollars, and passes the rest on to the company.
Partner bankWhat the bank received · exampleExample
Payment from the buyer in Rotterdam€1,200,000
Investors’ 1.3%, switched to dollars$16,900
Moved to investors, before the companySame day
Passed on to the company€1,184,400
Your wallet
It lands in your wallet.
Within 15 days of each quarter ending, your share lands in your wallet in dollars. Reinvest it, or send it to your bank whenever you like. At the end of the term, if you’ve had less than the floor, the company owes you the difference. If your payments reach the cap early, the deal ends there.
YouPayments · $250,000 exampleExample
✓$21,000 · Cocoa deal · quarter 1, in your wallet
✓$21,000 · Cocoa note · Q2, paid to wallet
3Quarter 3 · about $21,000 if sales go as projected · payments rise and fall with sales
WithdrawReinvest
Show the maths
Each quarter you get your share of the company's export sales, until what you have received reaches the cap.
The app
One shipment, from the buyer’s bank to your wallet.
Here’s what you see in the app when a buyer in Rotterdam pays for cocoa: the order, the bank taking out your share, the switch into dollars, and the money landing in your wallet.
| Buyer paid | €1,200,000 |
| Set aside for investors, 1.3% | €15,600 → $16,900 at that day’s rate |
| Taken out | Same day, before the company gets the rest |
| Paid on to the company | €1,184,400 |
Revenue noteExample deal · not open yet
Example cocoa deal
1.3% of every export sale4 yearsFloor: 1.10x back, by contractCap: 1.45x back, at most
Our bar: 13.5% a year, after feesProjected: 14.1% ✓
Reserve a place from $25,000$250,000 today25% there
Adding $25,000 every quarter · payouts reinvestedWithdrawReinvest
Now you can see every dollar’s path. Every number comes from an order, a bank entry or the deal’s terms, and the Guide explains it in plain words. An example, not a forecast.
Returns
Every deal must clear a high bar. You’re paid every quarter, in dollars.
What you’re paid, what stands behind it, and what it costs. Every figure here is a published term, not a forecast.
Our bar · updated 1 Oct 202613.5%
Before we list a deal, its projected return has to beat 13.5% a year after fees. That bar is five published numbers added together:
US government bonds, 5-year 5.01Extra for Nigeria country risk 2.5Extra for the company’s credit 3.5Extra for tying your money up 1.5Extra for delivery risk 1.0
The least the company owes you, and the most you can get. At the end of the term the company owes you at least 1.10 to 1.15 times what you put in (the floor). Once you’ve received about 1.35 to 1.55 times, the deal ends (the cap).
$110,000floor · the least, by contract
$130,000–140,000projected · 1.3–1.4x
$155,000cap · the most
A typical 4-year deal, before our 1% fee ($1,000). An example, not a forecast.
Paid every 3 months, in dollars. A fixed slice of the company’s export sales, between 1% and 14% depending on the company, for about 4 years.
One fee: 1%. 1% of what you invest, refunded in full if the deal doesn’t fill. Another 1% only if you sell early. Adding and withdrawing money is free.
48 hours to change your mind. Cancel any reservation free within 48 hours. If a deal doesn’t reach its minimum, everyone gets 100% back within 5 business days.
What the floor is, and is not. The floor is a promise written into the company's contract, backed by a legal claim on its assets and by cash set aside at the start. It is not a bank guarantee and it is not insurance. Projected returns are estimates, not promises.How we set the bar
What we do
Funding for the Nigerian businesses that earn dollars, pounds and euros.
Nigerians at home and abroad put dollars to work through Aminco in exporters, rent-paying property, short trades and young companies. Each deal sits in its own ring-fenced company, run by a licensed fund manager. Aminco finds the deals, checks them and keeps you informed. It never holds your money.
13.5%a year, after fees: the bar every deal must beat
$2Mthe size of our example cocoa deal
Quarterlypaid in dollars
100% backif a deal doesn’t reach its minimum
Dollars in, dollars out. We back companies whose buyers pay in dollars, pounds or euros, so what you are paid never passes through the naira. You are paid in dollars.
Made in Nigeria, sold abroad. We fund the grinders, presses and dryers that let Nigeria finish its own crops, so the jobs and the profit stay at home.
Start from $25,000. Nigerians in London, Houston and Toronto backing exporters at home, with a licensed fund manager looking after each deal.
Our sectors
Where your money works.
Seven sectors, one rule: the customer is abroad and pays in dollars, pounds or euros. Naira revenue never qualifies.
Get early access
Security
Your money never sits with Aminco. Three separate parties and a contractual floor stand between your money and the company.
Partner bank
Works for all investors together, holds the legal claim on the company's assets and approves every release of money to the company.
Licensed fund managerChecks each company, approves each investor and runs the ring-fenced company that holds the deal.
TrusteeWorks for you and every other investor. Holds the legal claim on the company's assets and approves every release of money to the company.
The deal’s floor and reserveA written minimum, backed by a claim on the company’s assets and cash set aside at the start. Not insurance.
Your money’s path
- You add moneyBy bank transfer or card. It lands at the partner bank.Partner bank
- You reserve your placeFunded from your wallet. Cancel free for 48 hours.You
- Held until the deal closesThen the trustee releases money to the company only for spending it has checked.Trustee
- Buyers abroad pay in dollars, pounds or eurosInto an account only the bank controls.Partner bank
- The bank takes your share out firstThe agreed share, the same day, before the company touches it.Partner bank
- You get paidEach quarter, straight to your wallet. Withdraw any time.You
Research
Reports and research.
What we publish, and how the company is funded.
- BRIEFSector brief: cocoa processing
Policy, capacity and where processors need capital · Free - PAPERHow we set the bar
How we decide a deal is good enough · A. Saliu-Ahmed, updated Oct 2026 - DATAExporter profiles
Sales, the share paid in dollars, pounds or euros, and profit margins · Investor Pro - APIInstitutional data
Data downloads for professional investors
Investor relations
We’re raising $750k from backers to launch with a licensed partner.
A simple no-interest agreement (a SAFE). It funds 18 months: a signed fund-manager partner, the first three export deals, about $5M placed and the research tool in beta.
$750kSAFE
18 morunway
Q1 2027partner signing
Impact
How Aminco helps Africa grow.
When Nigeria processes its own crops, it keeps the jobs and the profit. When Nigerians abroad fund that processing, the dollars come home and go to work. We measure every deal against both.
$5Minto exporters by end-2027 (goal)
1,000investors with money in (goal)
3companies lined up
Early access
Be first in when the doors open.
One email when the first deal opens. Nothing else.
The platform. Look around before we launch: a guide to market prices and research today, deals when we open.
Bank-helduntil the deal closes
Quarterlypaid in dollars
Early access
Get first look at every deal.
A slice of the export sales of profitable Nigerian companies, paid to you in dollars, with a written floor and a cap. Join the waitlist and we’ll tell you when doors open.