₦airaland Forum

jaybee3:
Thanks for the feedback. I'm glad you find the app useful.


Thanks for pointing that out. We'll incorporate this improvement and add direct download links to the website.


Please send us an email at support@thriftvault.app, and we'll be happy to discuss a trial arrangement.



The payout frequency can currently be set to Daily, Weekly, Biweekly (every two weeks), or Monthly, so you already have those options available when creating a group.

You can add as many members as you like before the group is created. However, once the group has started, new members cannot be added to that cycle.

jaybee3:
Thanks for the feedback. I'm glad you find the app useful.


Thanks for pointing that out. We'll incorporate this improvement and add direct download links to the website.


Please send us an email at support@thriftvault.app, and we'll be happy to discuss a trial arrangement.



The payout frequency can currently be set to Daily, Weekly, Biweekly (every two weeks), or Monthly, so you already have those options available when creating a group.

You can add as many members as you like before the group is created. However, once the group has started, new members cannot be added to that cycle.

jaybee3:
Let's be honest with ourselves for a moment.
We all love ajo. Esusu. Susu. Adashe. Whatever your side of the country calls it, that monthly contribution has built more shops, paid more school fees, and bought more plots of land than most bank loans ever will.
But you know wetin we no dey talk about? The wahala.

The coordinator who keeps the records "for safe keeping" inside one exercise book that only she can read. The member who swears on everything that he paid last month (he did not). The endless WhatsApp group of "Please who has paid? Send proof." And the small voice in the back of your mind every single cycle: "I hope this money no go enter voicemail."
Trust is beautiful. But trust plus proper record-keeping? That one is unbeatable. That's why I built ThriftVault.

ThriftVault is a mobile app that handles the boring-but-important part of running a thrift group, so the contributions, the confirmations, the payout order, and the "who has paid and who is forming James Bond" all live in one clean place that everybody can see. No more arguments. No more mystery exercise book. No more chasing people one by one.
To be clear, ThriftVault does not hold your money. It is your group's record keeper, referee, and memory, all in one. Your money moves the way your group already trusts. ThriftVault just makes sure nobody can rewrite history.

A few things it does:

✅ Tracks every contribution and confirms payments
✅ Manages who joins, who pays, and whose turn it is to collect
✅ Keeps the whole group on the same page, in real time
✅ Sends reminders so "I forgot" stops being a valid excuse

I'd rather show you than tell you. Watch this:

#ThriftVault pic.twitter.com/2AJZnpEksn

— Jay Bee (@AjibolaJay) June 13, 2026

If your group has ever had "that one cycle" that nearly ended friendships, this is for you.
Download it and take it for a spin:

Android (Play Store): https://play.google.com/store/apps/details?id=app.thriftvault.mobile

iPhone (App Store): https://apps.apple.com/app/id6769897907

Website: https://thriftvault.app

Try it with your group and tell me what you think. I built this to solve a real Naija problem, so I genuinely want your honest feedback, the good, the bad, and the "Oga why this button dey here." Drop your thoughts below.

*Answers to some of the questions thus far:*

*Does ThriftVault hold my money?*

No. This is the most important thing to understand. ThriftVault does not collect, hold, or move your contributions. Your money moves exactly the way your group already does it, directly between members and the coordinator. ThriftVault is the record keeper: it tracks who paid, confirms payments, and shows whose turn it is to collect. Think of it as the exercise book and the referee, not the bank.

*So is it CBN approved? Are you holding funds?*

Because we don't hold or move funds, ThriftVault is not a deposit-taking or money-transfer service. It's a coordination and record-keeping tool. There's no pot of your money sitting with us for anyone to run away with, the money never touches us in the first place.

*What's the interest rate?*

There isn't one, and that's by design. ThriftVault is not a savings platform like Piggyvest or Cowrywise where you deposit money to earn interest. It's a different thing entirely: it's for groups already running ajo/esusu/susu who want to do it without the record-keeping wahala. If you want interest on idle savings, those apps are great at that. If you're running a thrift group and tired of arguments over who paid, that's what ThriftVault is for. Different problems.

*"It's almost the same as normal ajo, what if the record keeper absconds?"*

Fair question, and here's the key difference: in normal ajo, one person holds the exercise book and only they know the true record, that's exactly the risk. With ThriftVault, every member sees the same records in real time on their own phone. No single person can quietly rewrite history or hide a payment. It doesn't replace trust; it makes the trust verifiable, so the records aren't controlled by one person anymore.


Sponsored Post

Lukuluku69:
Good one Op.

I actually have a Five Year experience in raising Local Chickens. In fact this February makes it the Fifth year and counting.

Started with 2 hens and a Rooster. Named the Two hens Black Gold (because of the colors of her plumage and the rate at which she lays) and the other Yomeye for her Stealthy ways. The Rooster we named Long John.

It has been a ride!

I rear them majorly for their meat and have had occasions where I gifted them to neighbors just for the goodwill.

In between those 5 years, they have produced over 800+ Chicks. While some reach maturity others died at infancy with Cats, Hawks and motorcycles being the Culprits.

I can write a Thesis on them but

Kobicove:
I seriously doubt if you will find something like this in the trade fair complex because most of the people who operate there are businessmen/traders.

If Festac Town is not too far for you I would suggest you try there instead

dosage150:
The one I know of is at Yaba

Quite far from your location

kay29000:
We sold 8 chickens the last 2 months, plus the ones we lost to rats. But the 5 hens and one Rooster we currently have are already working hard to repopulate our small poultry fast.

Tommymoses:
I lost all my local fowl except two that just hatch new chick.

I love the experience though, But I need to focus on my stubborn turkey that yet to lay after 9months plus.

flamopay122:
Telegram.
Earn money.
Nigeria.
Scam.

Those four words are now tightly connected in 2026.

Every week, Nigerians searching for online business opportunities on Telegram are losing money to scams disguised as “simple tasks,” “TON rewards,” and “easy earnings.” Telegram earn money scams in Nigeria are no longer obvious. They are smarter, slower, and more convincing.

If you’re using Telegram to earn money in Nigeria—or planning to—this post could save you from a costly mistake.

I nearly fell for one myself.


How I Almost Lost ₦200,000 to a Fake Telegram Task Bot (Nigeria, 2026)

The bot looked clean.
The tasks were simple.
The balance kept increasing.

It felt legit.

Then came the message:
“Upgrade your account to unlock withdrawals.”

That’s when I paused.

This is how Telegram task scams in Nigeria now operate in 2026. They don’t rush you. They build trust first. Many Nigerians don’t realize it’s a scam until money leaves their wallet.

Let’s break down the five most common Telegram scams Nigerians must avoid this year.


Scam #1: The “Upgrade Before Withdrawal” Telegram Task Scam (Nigeria)

This is currently the most popular Telegram earn money scam in Nigeria.

How it works:

You complete daily Telegram tasks

You see a growing balance

Withdrawal is suddenly “locked”

You’re asked to pay to unlock it


Once you pay, the bot goes silent.

Real Telegram or TON-based platforms never charge you before you earn. If money must leave your pocket first, it’s a scam.


Scam #2: Fake TON Airdrop Channels Targeting Nigerians

TON is real. Telegram knows it.
Scammers know it too.

They clone:

Legitimate channel names

Admin profile pictures

Announcement styles


Then they drop a fake “TON airdrop claim” message.

This is now one of the most dangerous Telegram airdrop scams in Nigeria.

If a TON project:

Has no real mini app

Has no public discussion

Uses private DMs for “support”


It is not legitimate.



Scam #3: “Tap-to-Earn” Bots With No Real Backend

Many Nigerians ask:
“Is Telegram task earning legit in Nigeria?”

Yes—but only when there’s a real system behind it.

Fake tap-to-earn bots:

Show points

Show rankings

Show fake balances


But they have:

No wallet connection

No TON smart contract

No withdrawal path


If a Telegram bot cannot connect to a real TON wallet, it’s just a simulation.



Scam #4: Fake Support & Recovery Agents on Telegram

You complain in a group.
Minutes later, someone messages you privately.

They claim to be:

“Support”

“Admin”

“Recovery team”


They ask for:

Wallet phrases

Verification fees

Account access


This is how Nigerians lose money quietly on Telegram.

Real admins do not DM first. Ever.


Scam #5: Telegram “Online Business” Mentorship Groups

This one looks clean and professional.

They post:

Motivation

Screenshots

Testimonials


Then they introduce:

Paid access

Locked channels

“Inner circle” fees


No structure.
No verifiable results.
Just pressure.

This is now a fast-growing online business scam on Telegram in Nigeria.



The One Rule Nigerians Must Remember About Telegram in 2026

If a Telegram platform:

Creates urgency

Avoids transparency

Demands payment before value


Pause.

Real Telegram earning is slow, structured, and verifiable. Education always comes before profit.



Why Most Nigerians Lose Money on Telegram

It’s not greed.
It’s lack of information.

People jump into bots they don’t understand. They confuse activity with legitimacy. They trust screenshots instead of systems.

Smart Nigerians now focus on:

Understanding how TON works

Learning how real Telegram mini apps look

Recognizing legitimate dashboards


Those who learn first, earn later.



Final Thought

Telegram is not the enemy.
Scams are.

In 2026, surviving Telegram scams in Nigeria is not about luck. It’s about awareness.

If this post saves one Nigerian from losing money, then it has done its job.

TG MONETIZE ACADEMY

NassBoy:
She's just been found dead this morning

NassBoy:
She's just been found dead this morning

NassBoy:
Things are really happening in this era and time. I'm lost here, because this is unimaginable and incredibly puzzling, to say the least.

Three days ago, I got a report from my village that a relative(woman) was kidnapped at about 11pm while returning from a church vigil. She's a mother of five children and one of her children is also a mother, this means that she's now a grandmother.
On that fateful day, the husband had taken two of the kids back to sch in a far away location, so they could resume the following week. Same husband didn't return same day and it was in the night that her abductors struck.

They did not just kidnap her, they raped her and stripped her completely naked. They even left her clothes behind. The abductors had already waited for her right in her house since they knew when she would be returning from the church vigil. They smoked and drank while waiting to accomplish their heinous and evil mission. Neighbors said they heard a shout, but they never knew it was a shout for help. The kidnappers even took one of her husband's motorcycles and rode it, before they parked it behind someone's house and left it there cos the bike wasn't in a good condition. Packs of condoms, cigarettes and drinks, plus the woman's clothes were left behind her house where they raped her.

Till this very moment, the abductors haven't reached out to any of the family members for Ransom.

My village is a typical one, where there's no power(electricity), no telecommunications Network at all, except you have to move to some particular areas where you can search for network and make calls.

The police are already investigating the matter. Those who claimed to have heard her shout during the abduction process have been arrested.
The husband also informed the police of how a young man threatened him earlier this year. The young man told my relative's husband that "Before the end of this year, you'll see what I will do to you". Same young man has already been taken into custody by the security agents. This has never happened in my village before. We are just a few people and even the minority in our state.
We are really worried and apprehensive about the whole thing. Stripping a mother of five completely naked and gang raping her and even leaving the used condoms of the floor is tragic. We fear they might have killed and thrown the corpse into the river or somewhere in the forest.

I don't have a picture of her to post. Please how do we go with the investigation?
Please share your thoughts. It's really painful to us. Even if they had killed her, let us at least, see her corpse to bury.

ceeceeuwa:
I have it planted in my garden and I don't reside in the north. It is very nice!

LegendaryGrafix:
She Took Off Her Clothes, Then I Realized Something…

Let me tell you a small story. One evening, I found myself in a situation many people secretly pray for. Beautiful girl, soft light, quiet room. We were talking, laughing, and the mood just flowed. Before I could even think twice, she started unbuttoning her blouse.

Now, as a guy, your brain is supposed to be shouting “jackpot!” But instead, something strange happened. As she took off her clothes, I suddenly froze. My mind wasn’t on her anymore. It was on me.

Because in that moment, I realized something deeper: I wasn’t really looking for her body. I was looking for escape. Escape from the mess I had allowed my life to become. I was chasing sex, drinks, endless scrolling, fake vibes — anything to distract myself from the fact that my life outside looked fine, but inside I was empty.

And you know how it is in Naija — we don’t like to admit when we’re broken. We joke, we flex, we post, we pretend. But when you drop phone and the lights are out, the truth will sit beside you like a heavy stone. That’s when you know: pleasure is sweet, but it won’t fix pain. Sex can comfort you for a night, but it can’t heal a scattered life.

That night was a turning point for me. I didn’t judge her. I judged myself. And for the first time, I admitted: “Guy, your life dey bleeped up. You need to face am.”

That was the seed that later became my book — “Unfuck Your Life.”
It’s not one of those sugar-coated motivational talks. It’s real, raw, and straight to the point. It’s about how to stop running, stop hiding, and finally rebuild the life you deserve — step by step, choice by choice.

I don’t know who needs to hear this right now, but maybe you’re like me that night. You’ve been looking for healing in temporary pleasures. You laugh outside, but you cry inside. You post strong, but you feel weak.

My message is simple: you can unfuck your life. Not tomorrow. Not when conditions are perfect. But today — starting small, starting honest, starting with you.

tollyboy5:
I want to venture into this co-working space business. With 24/7 constant electricity and starlink internet.

Don't even know where in Lagos to set it up
I have everything on ground just the location issue.