ZMONIE - Save Smart Platform

🛍 Apply for EasyBuy

Buy now, pay daily from your Zmonie wallet

EASYBUY TERMS - READ CAREFULLY

25%

Deposit Required

NGN 1,500

Doc Fee

Daily

Auto Deductions

• NGN 1,500 documentation fee deducted when you submit
• Deposit is fixed at 25% of the product price — paid upfront to activate the plan
• Remaining balance deducted daily from your Zmonie wallet
• One guarantor with photo required (no ID upload needed from guarantor)

🆕 LIVE EASYBUY CALCULATOR

Product Price (NGN) *

Deposit (25% of Product Price) — auto-calculated

Enter product price above

Deposit is fixed at 25% of the product price

Repayment Days *

👤 Personal Information

Surname *

First Name *

Other Name (optional)

Phone Number 1 *

Phone Number 2 *

Date of Birth *

Gender *

Male Female Other

🏠 Address

Home Address *

State *

LGA *

Office / Work Address *

🛍 Product Details

Product Name *

Pick Up Location *

Additional Note (optional)

Product Photo * (upload from phone gallery — picture of the product)

🛍

Tap to upload product picture

JPG, PNG • Max 3MB

📸 Your Documents (Mandatory)

Your Passport Photograph * (take selfie with front camera)

🤳

Tap to upload your passport photo

JPG, PNG • Max 3MB

Your Means of Identification *

🪪

Tap to upload your ID document

JPG, PNG • Max 3MB

👤 Guarantor (Required)

Full Name *

Phone Number *

Relationship *

Home Address *

Office Address *

Occupation *

Guarantor Passport Photo * (upload from phone gallery)

🤳

Upload guarantor passport photo from gallery

💳

Documentation Fee: NGN 1,500

Deducted from your wallet on submission

This non-refundable fee covers verification and documentation processing. Ensure your wallet has at least NGN 1,500 before submitting.

Your wallet balance

-

I confirm all information is accurate. I agree to EasyBuy terms including daily wallet deductions and guarantor obligations. I authorise Zmonie to deduct the documentation fee of NGN 1,500 from my wallet immediately on submission.

Application reviewed within 24-48 hours. You will be notified once approved.

Fund Wallet

Transfer to any account below then send proof via WhatsApp. Admin credits your wallet within 30 minutes.

⏳

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Send Proof via WhatsApp

Bank Name

Account Name

Account Number

Transaction PIN

Enter your 4-digit PIN to continue

Service

Change PIN

Current PIN

New PIN

Forgot PIN

A PIN reset request will be sent to admin. Once approved you will see a prompt to set a new PIN immediately from your Profile page.

PIN Reset Approved

Admin approved your request. Set your new 4-digit PIN now.

New PIN

👤 User Details

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Description

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Terms & Conditions

ZMONIE Finance — Fixed Investment & Loan Services

1. INTRODUCTION

These Terms and Conditions govern all financial services offered by Zmonie, including Fixed Investment and Loan services. By using the platform, users agree to comply with all terms stated below.

2. FIXED INVESTMENT TERMS

2.1 Investment Overview

Zmonie Fixed Investment allows users to invest funds for a fixed period and earn 10% monthly returns on your investment.

2.2 Investment Plans

Plan 1

💰 ₦10,000 – ₦500,000

📈 10% monthly

⏱ 6 months

🔓 Capital after 6 months

Plan 2

💰 ₦500,001+

📈 10% monthly

⏱ 1 year+

🔓 Capital after 1 year

2.3 Interest Payment

Investors earn 10% monthly interest on their investment. Interest payment schedule may be monthly or as agreed by the platform.

2.4 Investment Extension

Investors may extend their investment beyond the initial duration. Extension terms must be agreed before maturity.

⚠ 2.5 Capital Withdrawal

Early withdrawal before maturity is not allowed except under special agreement. Early withdrawal may result in loss of interest or penalties.

2.6 Next of Kin Policy

Every investor must provide a next of kin.
Next of kin must be at least 18 years old to access funds.
Next of kin must provide a verification code before claiming funds.
Physical presence may be required for identity verification.

3. LOAN TERMS

3.1 Eligibility

Applicants must be registered users of the platform.
Must provide a valid social media account (Facebook or identifiable online profile) for verification.
All provided information must be accurate and verifiable.

3.2 Loan Requirements

Applicants must provide one guarantor. Additional verification may be requested before approval.

3.3 Loan Approval

All applications are subject to approval. The platform reserves the right to approve or reject any application without explanation.

3.4 Repayment Terms

Repayment terms are agreed before disbursement. Borrowers must repay principal + agreed interest within the specified period.

3.5 Grace Period

Borrowers are entitled to a grace period of 3 to 5 days after due date without penalty where applicable.

⚠ 3.6 Default & Recovery

Failure to repay after grace period results in loan default. Recovery actions include:

Contacting borrower and guarantor
Debt recovery procedures
Engagement of authorized recovery agents
Reporting to relevant financial or credit monitoring systems

All recovery actions comply with applicable laws.

4. GENERAL TERMS

Zmonie reserves the right to update or modify these Terms at any time.
Users are responsible for reading and understanding all terms before use.
Misuse of services may lead to suspension or restriction of access.
All disputes handled in accordance with applicable financial services law.
By using Zmonie services, users agree to all terms in this document.

ZMONIE FINANCE — CAC No: 9576761

zmonieservice@gmail.com · 08068886569

Privacy Policy

Data Collection. We collect name, email, phone number, and transaction data to provide our services.

Data Use. Used only to process transactions and provide customer support.

Data Security. All data encrypted via Firebase. PINs are hashed and never stored in plain text.

Contact. zmonieservice@gmail.com

Apply for Loan

30-day term · 24% flat interest · Daily repayment

LOAN TERMS - READ CAREFULLY

24%

Total Interest

30 Days

Max Duration

NGN 5,000

Doc Fee Required

48hrs

Disbursement

• You must have 5% of loan amount in your wallet
• Documentation fee of NGN 5,000 must be paid before processing
• Daily repayment collection for 30 days
• 3-5 days grace period after due date
• Default triggers guarantor notification and recovery

LIVE LOAN CALCULATOR

Loan Amount (NGN) *

📋 Loan Details

Purpose of Loan *

Home Address *

Employment / Business *

Social Media Profile Link * (Facebook, Instagram, or LinkedIn)

Repayment Duration

📸 Documents (Mandatory)

Passport Photograph *

🤳

Tap to upload passport photo

JPG, PNG • Max 3MB

Means of Identification *

🪪

Tap to upload ID document

JPG, PNG, PDF • Max 3MB

👤 Guarantor 1 (Required)

Full Name *

Phone Number *

Relationship *

Home Address *

👤 Guarantor 2 (Required)

Full Name *

Phone Number *

Relationship *

Home Address *

By submitting, you agree to pay NGN 5,000 documentation fee and repay daily for 30 days

Invest & Earn

Complete all sections carefully

Plan 1

₦10,000–₦500,000
10% monthly
6 months

Plan 2

₦500,001+
10% monthly
1 year+

👤 Personal Information

Surname *

Second Name *

Date *

Date of Birth *

Gender *

Male Female Other

📍 Location

State of Origin *

Local Government *

Country *

🏠 Address

Home Address *

Work Address (optional)

📋 Investment Details

Investment Amount (NGN) *

Preferred Duration *

Additional Notes (optional)

💳 Payment Details

Your 10% monthly interest will be paid to the account number below. Make sure it is correct.

Bank Name *

Account Number *

Account Name *

📸 Investor Passport Photo *

🤳

Tap to upload your photo

Clear face photo • JPG, PNG • Max 3MB

👪 Next of Kin (Required)

Per ZMONIE policy, all investors must provide a next of kin aged 18+ who may be contacted in case of emergency or account claim. Family/children of investors can use the Security Number to claim funds.

Full Name *

Phone Number *

Date of Birth * (Must be 18+)

Social Media Profile (optional)

Relationship *

Home Address *

Next of Kin Photo *

👤

Tap to upload next of kin photo

Clear face photo • JPG, PNG • Max 3MB

🔐

Security Number

After you submit this form, ZMONIE will generate a unique Security Number for you. Keep it safe — your family or children can use this number to claim your funds from ZMONIE if needed.

Your Security Number will be shown immediately after submission

✅

Investment Submitted!

Your investment request has been received. Admin will review and approve within 24 hours.

🔐 Your Security Number

—

Keep this number safe. Your family or children can present this number to ZMONIE to claim your funds if needed.

⚠️ Important — Screenshot this page

Save or screenshot your Security Number now. It has also been sent to your notifications for future reference.

VTPass API Settings

Super Admin Only

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Mode

API Key (static key from VTPass profile)

Public Key (PK_...)

Secret Key (SK_...)

Base URL

Transaction Receipt

Request Withdrawal

Processed immediately upon approval

Available Balance

NGN 0.00

Amount to Withdraw (NGN) *

Withdrawal Method *

🏦 Bank Transfer ✋ Cash Pickup

Bank Name *

Account Number *

Account Name *

Note (optional)

Transaction PIN *

My Withdrawals

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Loan Dashboard

Real-time repayment tracker

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Investment Details

Live growth tracker

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🛍 Apply for EasyBuy

Overview

Fund Wallet

Add Funding Account

Transaction PIN

Service

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👤 User Details

Add Promo Slide

Terms & Conditions

Privacy Policy

Apply for Loan

Invest & Earn

Investment Submitted!

VTPass API Settings

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My Withdrawals

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Investment Details

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