For registered co-operatives only

Beyond loans.
Into markets.

Diversify your co-operative pooled funds into bonds, T-bills, equities, real estate, and more — governed by your members, tracked in real time.

T-Bills · 364-day
22.5% p.a.
FGN Bonds · 10-yr
19.8% p.a.
Equities · NGX ASI
+31.4% YTD
Debt Notes · 90-day
23.0% p.a.
Fixed Income · corp
21.3% p.a.
Real Estate · REITs
11.2% p.a.
Mutual Funds · avg
17.6% p.a.
T-Bills · 364-day
22.5% p.a.
FGN Bonds · 10-yr
19.8% p.a.
Equities · NGX ASI
+31.4% YTD
Debt Notes · 90-day
23.0% p.a.
Fixed Income · corp
21.3% p.a.
Real Estate · REITs
11.2% p.a.
Mutual Funds · avg
17.6% p.a.
T-Bills 22.5% p.a.
FGN Bonds 19.8% p.a.
Equities +31.4% YTD
Real Estate REITs 11.2% p.a.
Mutual Funds 17.6% avg
Debt Notes 23.0% p.a.
Fixed Income 21.3% p.a.
T-Bills 22.5% p.a.
FGN Bonds 19.8% p.a.
Equities +31.4% YTD
Real Estate REITs 11.2% p.a.
Mutual Funds 17.6% avg
Debt Notes 23.0% p.a.
Fixed Income 21.3% p.a.

Eight asset classes.
One co-op dashboard.

Stop leaving co-op funds idle between loan cycles. Gbajọ connects your registered co-operative to regulated instruments — with full member governance and real-time reporting.

T-Bills

↑ 22.5% p.a.

CBN-backed 364-day bills. High liquidity, capital guaranteed.

FGN Bonds

↑ 19.8% p.a.

Sovereign debt. Fixed coupon, FMDQ-listed, SEC-regulated.

Fixed Income

↑ 21.3% p.a.

Corporate & sub-sovereign bonds. SEC-regulated issuers.

Equities

↑ +31.4% YTD

NGX-listed stocks via pooled co-operative allocation.

Real Estate

↑ 11.2% p.a.

SEC-registered REITs & real estate investment funds.

Mutual Funds

↑ 17.6% avg

SEC-licensed fund managers. Diversified exposure.

Debt Notes

↑ 23.0% p.a.

Short-tenor commercial paper. High yield, short duration.

+ More

Coming soon

Eurobonds, commodities & structured products.

Three steps to a diversified co-op portfolio.

01 — Register

Verify your co-op.

Submit your CAC registration. Gbajọ verifies and onboards your co-operative within 48 hours — no paperwork chasing.

02 — Fund

Pool your capital.

Members contribute via auto-debit, bank transfer, or mobile money. Every flow is reconciled in real time, visible to all members.

03 — Diversify

Invest across instruments.

Your treasurer proposes allocations. Members vote. Returns are distributed per the governance rules your co-op agreed on.

Real returns, real governance.

₦480M
Assets under management
18.7%
Avg portfolio return p.a.
340+
Registered co-operatives
8
Asset classes available

"We had ₦20M sitting idle between loan cycles. With Gbajọ, our co-op allocated it into 364-day T-bills — we earned ₦1.1M in 90 days without touching our loan book."

F
Funmilayo Okonkwo Treasurer · Iyalode Co-operative · Lagos

Your pool, finally working.

For registered co-operatives only. Apply in under 5 minutes. CAC registration required.