Step 1 · You
Pick a note and reserve your place.
Each note finances confirmed orders that Nigerian exporters have from buyers abroad.
How it works
Four steps. Someone different handles each one.
No return is promised. Shipments can be late or fail, and you could get back less.
01
The four steps
Step 2 · The escrow agent
Your money waits in escrow until the note closes.
A regulated escrow agent holds it. If the note does not fill, you get all of it back.
More detail
- Held by a regulated escrow agent
- Refunded in full if a note does not fill
- Released one shipment at a time
Step 3 · The bank
The bank takes the note’s share first.
Buyers abroad pay in US dollars into an account the bank controls. The note is repaid before the exporter is paid.
More detail
- Paid in US dollars
- Buyer credit insurance required before any money goes out
- Before the exporter sees a cent
Step 4 · Your wallet
If shipments go to plan, your share reaches your wallet.
You are paid in US dollars. Each note sets out what it pays and when, and your money is due back when the note ends.
More detail
- Withdraw or reinvest
- Terms written into the note
- Repaid shipment by shipment
02
The app
Meet Melora by Aminco.
Your notes, your payments and where every payment comes from, in one app.
See every payment’s path
From the buyer’s bank to your wallet.
Ask the Melora Guide
Plain answers about any note, any time. It explains; it does not advise.
Plan ahead
Set a goal and watch your payments build.
03
Inside Melora
One shipment, from the buyer’s bank to your wallet.
The order
Example
| Buyer | Rotterdam cocoa processor |
|---|---|
| Product | Cocoa liquor, 400 tonnes |
| Invoice | $400,000 |
| Advance, 75% | $300,000 |
| Ships | 14 Nov 2026 |
| Buyer credit insurance | To be in place before any money goes out |
Ada
Where is my next payment coming from?
Melora Guide
From the cocoa liquor shipment to Rotterdam. The buyer pays the bank controlled
account in dollars, the note is repaid first, and your share reaches your wallet.
Note
Example · not open yet
Example cocoa trade finance note
Advances 75% of each confirmed invoice. The exporter funds the rest.
| Term | 9 months |
|---|---|
| Our bar | 12% a year |
| What it aims for, after fees | about 12% a year |
| Paid | In US dollars |
Planner
Example
$100,000 by 2029
$25,000 today · 25% there
Paid to wallet
Example
$300
14 Feb · in US dollars
An example, not a forecast. Nothing here is an offer.
Early access
Be first in when the doors open.
One email when the first investment opens, and an invite to Melora, our investor app, when there is a place for you.
Aminco isn’t licensed yet. Nothing here is an offer to invest.
You’re on the list. We’ll be in touch.