Smart Investing, Simplified
Orchard gives you fractional access to fixed income and alternative products from regulated institutions.
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With listings from the best
10,000+
registered investors
₦250M+
distributed to date
Licensed
SEC & CBN-regulated
Built for fractional, regulated access
Orchard aggregates fixed income and alternative products from regulated institutions and distributes them to your account in fractional size, so you can start with what you have.
Fractional access
Invest in institutional-grade products in smaller, fractional sizes instead of needing the full ticket.
One consolidated position
See everything you hold in one place, aggregated across products and issuers.
Transparent fees
Every fee is disclosed up front before you invest, with no hidden charges.
Regulated distribution
Every product is offered by institutions licensed and regulated by the SEC or CBN.
How it works
Create an account
Sign up and provide the details we need to verify your identity.
Complete KYC
Complete Know-Your-Customer (KYC) verification so your account is ready to invest.
Invest
Browse available fixed income and alternative products and choose what fits.
Manage your investments
Track your positions, payouts, and account activity from your dashboard.
Fixed income
Fixed income
Treasury bills, commercial papers and fixed deposits from regulated issuers, each with a defined term, tenor, and repayment schedule.
See fixed incomeFixed income
Available now- Defined tenor and schedule
- Distributed by regulated institutions
- Fractional minimum investment
Alternatives
Alternatives
Private equity, real assets, and other alternative products distributed outside traditional public markets, each vetted before it's listed.
See alternativesAlternatives
Available now- Vetted before listing
- Distributed by regulated institutions
- Fractional minimum investment
A wide range of ways to invest
Browse the specific fixed income and alternative instrument types available through Orchard.
Treasury bills
Short-term, government-issued instruments with a fixed term.
Government-issued short-term instruments. You commit funds for a defined term and receive your principal plus the instrument’s stated return at maturity.
See fixed incomeInvest, monitor, earn
Every investment on Orchard moves through the same three phases, from choosing a product to getting paid out.
Your security first
Regulated distribution, careful handling of your funds and your data.
Licensed & regulated
Every product on Orchard is distributed by institutions licensed and regulated by the Securities and Exchange Commission (SEC) or the Central Bank of Nigeria (CBN).
Investor asset segregation
Investor funds are held separately from Crowdital’s own operating accounts.
Secure communications
All data in transit is encrypted using industry-standard TLS.
Data protection
Personal and financial data is handled under strict data-minimisation and access-control practices.
What investors are saying
“The app makes it easy to see everything I’ve invested in one place.”
Ada O., Lagos
Help and support when you need it.
We don’t give investment advice. We help you understand what’s available, how it works, and how to get support when you need it.
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Frequently asked questions
Orchard is a platform that gives you access to fixed income and alternative investment products from regulated institutions. We aggregate and distribute these products so you can invest in fractional size from one place.
Orchard aggregates investment products from regulated institutions and lists them on our platform. You browse available products, select what you want, and manage everything from a single dashboard.
Fees vary by product and are disclosed in full before you invest. Orchard does not charge a fund-management fee, so see each product’s details for its specific fee structure.
At launch, Orchard offers fixed income products (like treasury bills, commercial papers, and fixed deposits) and alternative investment products. We’ll add more categories over time.
Investor funds are held separately from Crowdital’s own operating accounts, consistent with regulatory requirements.
Payouts are made according to each product’s schedule, directly to your linked account. You can see upcoming and completed payouts from your dashboard.
Every product is distributed by institutions licensed and regulated by the SEC or CBN. Investor funds are held separately from Crowdital’s own operating accounts, and all data is encrypted in transit.
See what’s available to invest in today.
Fixed income and alternative products, distributed in fractional size, ready when you are.
Get started Building a product? See Orchard Embedded