A woman standing outdoors, looking out past the camera.

Coffer Locker

Lock it away,watch it grow

Self-Lock, Goal-Lock and Cabal — three ways to save inside Locker, with interest that accrues daily and compounds monthly.

Start saving

Trusted by 200,000 users

  • Locker
  • Interest accrues daily
  • Self-Lock
  • Compounds monthly
  • Goal-Lock
  • Top up before maturity
  • Cabal
  • Naira and USDT wallets

Why Coffer Locker

A discipline-first savings architecture dedicated to building wealth and financial freedom

  • Self-Lock
  • Goal-Lock
  • Cabal
  • Locker Vault
  • Top-ups anytime
  • Daily interest
  • Compounds monthly
  • NGN Wallet
  • USDT Wallet
  • Discipline
  • Target date
  • Consistency score
  • Zero monthly fees
  • Automated debits

Ways to save inside Locker

3 lock modes

A serene close-up of a vibrant green lotus leaf with fresh water droplets.

Locker yield

Up to 12%p.a.

Interest accrues daily and compounds monthly across all locked balances, keeping your savings ahead of inflation.

  • 120+

    Strategic partnerships

  • 520k+

    Data Points

  • 50+

    Continents

  • 100%

    Commitment to security

Inside Locker

Three ways to lock it away

One for your own discipline, one for a target you can name, and one for the people you are saving with.

Self-Lock

Solo savings, sealed until they mature.

Decide once

Choose an amount and a maturity date, and the money stays put until that date arrives. The discipline is built into the product, not into your willpower.

Interest accrues daily

Your balance earns every day it stays locked, and compounds monthly. Nothing to claim, nothing to remember — it simply keeps working.

Top up before maturity

Found a little extra this month? Add it to an open lock without resetting anything. Firm where it matters, flexible where it does not.

A woman sitting cross-legged on a sofa at home, checking her phone.

Goal-Lock

Name the thing. Save toward it on a schedule.

Give it a name and a date

Rent, a move, a first car. A Goal-Lock holds a target and the day you want to reach it, so the number on screen is the thing you actually want.

Save on autopilot

Set an auto-debit daily, weekly or monthly and let it run. Consistency stops depending on whether you remembered this week.

Watch the gap close

Progress is visible from the first contribution, and daily interest quietly closes part of the distance for you.

A woman smiling and holding up a set of keys.

Cabal

Money works better together.

Pool it with your people

Start a Cabal with friends, family or your community and save toward one shared goal. Traditional group saving is messy; this is not.

Join by code or link

Keep a Cabal private, or let it be discovered. You create it, you run it, and members are in within seconds.

Consistency, kept honest

A leaderboard and a consistency score show who is showing up. Everyone can see the pool is on track — including the people funding it.

A group of friends joining their hands together outdoors.

Savings goals

What are you saving for?

A lock is only ever as good as the thing on the other side of it. These are the categories Coffer savers reach for most — pick one, or name your own.

Every goal maps to a Self-Lock, a Goal-Lock or a Cabal.

Open your first lock
  • A young woman with a pink suitcase standing against a wall of colourful crates.

    Goal-Lock

    Travel

    Put a date on the trip and let the fare arrive before it does.

  • A graduate in green academic regalia and mortarboard, seated.

    Goal-Lock

    Education

    Fees have a due date. A Goal-Lock counts down to it with you.

  • A couple dancing among cardboard boxes in their new home.

    Self-Lock

    Home Ownership

    The longest save you will make. Seal it so it is still there at the end.

  • Women in brightly printed dresses dancing together at a celebration.

    Cabal

    Celebration

    Weddings, naming days, sendoffs — everyone contributes to one pool.

  • A young woman in a knitted sweater sitting among indoor plants, looking out of a window.

    Self-Lock

    Emergency Stash

    The money you want to forget you have until the day you need it.

  • A trader in traditional attire standing inside a busy market stall in Abuja.

    Cabal

    Business Startup

    Raise the first stock with the people backing you from the start.

  • A young man in blue traditional attire using a mobile phone.

    Goal-Lock

    Gadgets Upgrade

    Name the phone, name the month. Skip the borrowing entirely.

  • A mother and her children playing together outdoors.

    Cabal

    Family Vacation

    One pool, every member chipping in, one December that finally happens.

Trusted by 200,000+ people

Open the app, verify once, and set your first lock — on your own, toward something you have named, or with your people.

Start saving

Get started

Every good plan starts with a lock