Young Nigerians, building Nigeria's future — together.
A member-owned cooperative for young Nigerian professionals at home and abroad who believe in this country. We pool our savings, lend to each other for less, share what the society earns — and build the capital, and the leaders, Nigeria's future needs.
Nigeria will be built by its own citizens.
Nigeria is one of the youngest countries on earth — its median age is about 17. The people who will shape the next fifty years are already here, already working, and many of them are scattered across the world.
On our own, our savings are small and scattered: too small to invest, too far from the opportunities at home, and up against expensive credit. Together, they become something else — a pool of patient, local capital that its owners control.
Blueapril is that pool. A cooperative, owned and governed by its members, built on discipline today. Its mandate is nation building: capital first, then enterprise, then leaders who carry that discipline into public life.
It is for people who believe the best years of the country are ahead of it — and who intend to help build them.
Trust you can audit
Every naira and cent sits on a double-entry ledger with a tamper-proof audit trail. You can always see where your money is.
Discipline that compounds
Regular savings, share capital that grows, and credit that rewards good standing — habits that build real wealth.
Owned by its members
A cooperative, not a bank. Surplus comes back to you as dividends, and members govern it together.
Savings in two currencies
A naira wallet and a dollar wallet. Fund by bank transfer or stablecoin, and keep the habit with a ₦50,000 monthly minimum.
Credit that costs less
Borrow up to three times your net worth at a transparent rate, against your savings and shares, with a clear schedule.
Share capital & dividends
Build your stake in the cooperative. When the society earns a surplus, members share in it.
Dollars, if you earn them
Save in dollars too — fund with USDT/USDC or convert naira at a published, society-set rate.
Governance on your phone
Elect the committee, read the reports and follow every decision — wherever you are in the world.
One set of books, worldwide
Members in Lagos, London, Toronto or Berlin share one perfectly reconciled ledger.
Better rates than the loan apps and the banks.
Quick credit usually comes at a premium. As a cooperative, Blueapril lends to its own members at a fair rate — for personal and business use. Run the numbers.
You could save ₦84,000 borrowing from Blueapril instead of a loan app.
Comparison rates are illustrative of the Nigerian market. Blueapril's rate is set by the cooperative and may vary by product.
Open to the dollar. Long on the naira.
Many of our members earn in one currency and spend in the other, so Blueapril saves in both. We don't bet against the dollar, but our bet is on the naira: since the 2023 reforms it trades at a market price, and it has steadied since.
That is our view, not a promise. Currencies move, and savings in one can lose value against the other.
Naira wallet
Bank transfers in, from any Nigerian bank.
Dollar wallet
USDT and USDC on four networks, or converted naira.
Swap
Between the two at the society's published rate.
Who can join, and what it takes.
Blueapril is for young Nigerian professionals — final-year students and those awaiting NYSC are welcome too. You can live anywhere in the world.
To be considered, pay the membership fee and at least one of your first month's savings or your share capital.
Five steps to membership.
- 01
Apply
Create your account with a member’s referral and tell us about yourself.
- 02
Verify
Submit your ID, proof of address, BVN and next of kin.
- 03
Interview
A short conversation with the membership committee.
- 04
Pay dues
Membership fee plus share capital or first savings.
- 05
Begin
Your wallets open — save, borrow and grow.
Who can join Blueapril?
Young Nigerian professionals, wherever they live. Final-year university students and graduates awaiting NYSC are welcome to apply too. Members in Lagos, Abuja, London, Toronto or Berlin all belong to the same society.
How much does it cost to join?
The membership fee is ₦50,000 (one-time). Share capital is bought in units of ₦50,000 — at least one unit (₦50,000), and you can buy more at any time. Ordinary savings are at least ₦50,000 a month. To be considered, you pay the membership fee and at least one of your first month's savings or your share capital.
Can I really save in US dollars?
Yes. Every member has a naira wallet and a dollar wallet, because many members earn in one currency and spend in the other. Fund the dollar wallet with USDT or USDC, or by a naira transfer converted at the society's published rate.
Do you offer loans?
Yes — Blueapril is a credit society. After six months of saving, members can borrow up to three times their stake in the society (savings plus shares) for personal or business needs, with two guarantors who are also members, at a transparent rate and a clear repayment schedule.
Do members earn dividends?
When the society earns a surplus — mostly from interest on member loans — the members decide at the annual general meeting how to share it: on shares, on savings, and as a refund to those who paid loan interest. There is no promised or guaranteed return.
Build the future with people like you.
Save in naira and dollars, borrow for less, share in what the society earns — and help shape what we build next.