On-Chain Credit Solution

Your Wealth Grows,
Your Credit Grows.

Leverage your investments for liquidity
without losing your market position.

Connect your portfolio of stocks, bonds, or virtual assets to access a revolving 12-month credit line. Pay interest only on what you use. Keep everything you've built.

Join the Waitlist See how it works
50–80%
Portfolio Value
< 5 min
Credit Access
100%
Asset Protection
Caelum
Available Credit
₦ 4,250,000
Used: ₦750kLimit: ₦5M
💳
Virtual Card
📊
Portfolio
•••• •••• •••• 4291
Virtual Card · Active
✓
Recent Activity
🛍
Shoprite Purchase
Today, 2:14pm
-₦12,500
📈
Credit Disbursed
Yesterday
+₦500,000
🔗
Lien · BUA Shares
3 days ago
Secured
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Stocks & EquitiesFederal BondsCryptocurrency100% Asset ProtectionVirtual Card InstantPhysical Card 5–7 DaysOn-Chain CreditLow Interest RatesNo Forced Exits Stocks & EquitiesFederal BondsCryptocurrency100% Asset ProtectionVirtual Card InstantPhysical Card 5–7 DaysOn-Chain CreditLow Interest RatesNo Forced Exits
Process

Three steps to
unlock your liquidity

Simple steps, transparent fees, strong safeguards. Turn your securities into working capital without disrupting your strategy.
01
🔗
Connect Your Portfolio

Link your investment accounts — stocks, bonds, or virtual assets. We support all major Nigerian brokers and tokenised securities.

Instant Sync
02
⚡
Get Your Credit Limit

Our on-chain valuation engine assesses your portfolio and approves a credit limit of 50–80% of its value — in under 5 minutes.

5-Min Approval
03
💳
Access & Use

Receive a virtual card instantly to spend online and in-app. A premium physical card arrives in 5–7 business days.

Physical + Virtual
Asset Flow

From virtual assets
to real liquidity

📊
Your Assets
Stocks, Bonds & Crypto

Your existing investments remain exactly where they are — in your name, continuing to grow. We never take ownership.

→
🔐
Secure Lien
Assets Stay In Your Name

We place a legal lien on your assets — a secure claim that backs your credit line without forcing any sale or transfer of ownership.

→
💰
Credit Line
Instant Access to Funds

Draw from your revolving credit line whenever you need. Interest accrues only on funds drawn — zero cost on unused limits.

Caelum
Credit Line Card
4291••••••••8847
Card Holder
ADAEZE OKAFOR
Valid Thru
12/27
Virtual card issued instantly · Physical card in 5–7 days
Your Card

Credit Backed by
Your Assets

We place a lien on your stocks, bonds, or virtual assets and give you immediate access to a low-interest credit line — without selling a single unit.

🛡
100% Asset Protection
Your market position is always protected. No forced exits, no liquidation.
⚡
Access in Under 5 Minutes
Instant virtual card on approval. Begin spending immediately across any merchant.
💹
Keep Your Upside
Retain full ownership and all gains on your portfolio while accessing cash.
📅
Revolving 12-Month Line
Pay only on what you draw, when you draw it — zero charges on unused limits.
Philosophy

The Caelum Way:
Smart Leverage

01
Keep your assets and watch them grow while accessing cash
Your investments continue compounding. You access liquidity without interrupting the growth cycle.
02
Your market position is protected — no forced exits
Price dips won't trigger automatic liquidation. Your lien-backed credit line is designed for stability.
03
Access a credit line without selling your assets
Traditional options force you to exit positions to raise capital. Caelum lets you do both at once.
04
Maintain your investment strategy without interruption
Stay invested through market cycles while using credit to meet short-term needs.

Unlock flexible credit without selling your investments. Keep the upside, access the liquidity.

Built for Young Nigerians Building Wealth
50–80%
Portfolio LTV
12mo
Revolving Term
0%
Unused Charges
Early Access

Join the
Waitlist

On-chain credit solution. Connect your portfolio or tokenised securities to access a revolving 12-month credit line. Pay interest only on what you use.

✓
Priority access to Caelum Beta
✓
Introductory low-interest rates locked in
✓
Virtual card issued on Day 1
✓
No charges until you draw from your credit line
✓
Dedicated onboarding support
Reserve Your Spot
Be among the first to access smarter credit in Nigeria.

No spam. No fees. Just early access to smarter credit.

✓
You're on the list!

We'll reach out with early access details as soon as Caelum launches. Keep building wealth.