Invest in ventures PesewaPay runs or backs — farms, transport, equipment, property — by buying units of a product. Each product is one venture, for one season, on one set of terms.
There are two kinds and the difference is what happens to your capital. On a lower-risk product your money is returned at the end at a fixed rate agreed up front. On a higher-risk product you take a share of what the venture actually earns, and your capital is not guaranteed — if the venture does badly, you can get back less than you put in, or nothing.
On a higher-risk product, yes. You are taking a share of what a real venture earns, and a venture can do badly or fail. Your capital is not guaranteed and you can get back less than you put in. Lower-risk products return your capital at a fixed rate, which is why their return is lower.
Investing requires completed identity verification and an application to join the programme.
The same venture and the same season can offer a lower-risk and a higher-risk product side by side. You pick the deal you want rather than the venture deciding for you.
The terms — the rate, the length, whether you can leave early — are written onto your holding at that moment.
Progress is reported against the venture as it goes, which matters most on a long product where nothing has come back yet.
A higher-risk product shares out income as the venture earns it. A lower-risk one pays your capital and the agreed return at the end of its term.
Each of these is enforced in the software rather than stated as a policy. A policy can be broken; these cannot.
The rate, the length, the maturity date and whether you may leave early are copied onto your holding at the moment you buy it. Editing the product afterwards cannot reach back and change the deal you agreed to.
Every product holds its money separately and cannot go below zero — that is enforced by the database, not by convention. Money put into one venture cannot fund another, cover another's losses, or pay another's investors.
Where a product promises to return your capital at a fixed rate, that promise is a liability we hold reserves against. If the reserve cannot cover what is being promised, the investment is refused rather than sold. An unbacked promise is not made.
PesewaPay is not on the app stores yet. Join the early access list and we will tell you the day it is — no other mail, and nothing shared.
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