Put idle money to work with up to 24% annual returns.
Whether you prefer locking funds away to overcome impulse spending or want daily flexible interest on operating cash, Hive Finance provides institutional-grade high-yield vaults.
Choose the structure that matches your liquidity goals
HiveLock (Fixed Vault)
Lock away lump-sum capital for 1 to 12 months with guaranteed high returns. Perfect for quarterly school fees, rent savings, and long-term milestones.
- Fixed guaranteed rate locked at day 1
- Tenors: 30, 90, 180, and 365 days
- Discipline lock: protects money from impulse spending
- Principal + full interest credited on maturity date
HiveFlex (Daily Flexible)
Enjoy high daily compounding interest on your operational balance. Deposit and withdraw anytime with zero penalties or lockup periods.
- Earn daily interest on every Naira held
- Instant zero-penalty withdrawals to your wallet
- No minimum balance requirement
- Interest calculated automatically every midnight
HiveTarget (Goals & Challenges)
Build a consistent savings habit. Automatically save a set amount daily or weekly towards a specific business or personal goal.
- Automated recurring bank/wallet debit
- Gamified communal savings challenges
- Progress tracking and target completion bonuses
- Pause or adjust contributions anytime
Track your growth transparently in real time.
Inside the Hive Finance mobile app, you have complete visibility over active plans, accrued interest, maturity countdowns, and daily returns. Everything is clearly documented with zero fine-print gotchas.
