From sign-up to repayment
NayabX connects people who want to finance real businesses with businesses that need capital for a stated purpose. Here is the full path your money takes.
Create your account
Register with your mobile number. It takes about a minute.
Install the app
Download the Android app from this site and sign in on your phone.
Choose a business
Read the business story, funding purpose and documents before you commit.
Receive repayments
When the business pays back, your share is credited to your wallet.
Only from money the business actually pays back
Returns are not promised by a formula. When a business makes a repayment, our team records it with proof, a second team member confirms it, and only then is it shared among the people who funded that business, in proportion to what each funded.
Business repays
The repayment arrives with a bank or wallet reference.
Recorded with proof
One team member records the amount and attaches evidence.
Confirmed by a second person
No single person can release a repayment.
Shared pro rata
Each funder receives their share in their wallet, with a reference.
What to understand first
Returns vary
Each business shows an expected range. Actual results depend on how the business performs and can be lower, or nothing.
Money is committed for a term
Funding is used by the business for its stated term and cannot be withdrawn early.
Read the documents
Each business publishes its purpose, terms and supporting documents. Read them first.