PoolTransact is a global investment collaboration platform: pool your capital with verified members into stocks, real estate, agriculture, and money markets, then share the profit automatically as your group grows. Established, profitable businesses can also apply to any group for funding on clear, negotiated terms — amount, interest rate, and repayment date. One platform, every currency, every country.
From the busy professional testing the waters to the large-scale investor scaling a portfolio — sign up, verify your identity, and we'll match you with a pool that fits your goals.
Every pool combines verified members' capital and invests it collectively in a chosen asset class. Returns are distributed automatically among contributing members, net of PoolTransact's platform fee, and members may withdraw or reinvest their share.
▲ 12.4%
The general-purpose, broad and diversified investment community and networking hub — for professionals who want to connect, invest, and grow capital as one group.
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▲ 8.1%
Members commit to save for a fixed period; once accumulated, the group's savings are invested together and profit is shared across every member.
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▲ 15.7%
Pooled capital is invested in property and other real-estate-backed assets, with profit shared as the portfolio matures.
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▲ 10.9%
Pooled capital funds agricultural ventures and value chains, with members sharing in the resulting harvest and produce-market returns.
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▲ 19.2%
Pooled capital is invested in publicly traded equities across global markets, with returns shared among group members.
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▲ 9.5%
A lower-volatility pool for members seeking steady, predictable growth through short-term money market instruments and mutual funds.
Get Started →A guided, lower-risk entry group built for beginners and low-income earners taking their first step into investing. Experienced mentors guide every member from sign-up to their first payout — nobody grows alone.
Get Started →Don't see your niche? Any member can request a new investment group with a clear, detailed business or value justification. Every request is reviewed by PoolTransact platform admins, who approve or reject it with a reason — rejected requests can be revised and resubmitted.
A straightforward, four-step path — the same one every member follows, whether they're joining Stocks or HMH.
Sign up and verify your identity with a Work ID, NIN, or International Passport, tell us about your employment or business, and choose your pool.
Your contribution joins the group's pooled fund, tracked as a timestamped ledger entry, and is invested in the asset class or venture the group has chosen.
Returns are tracked transparently and distributed automatically among group members, pro-rata to contribution and duration held, net of PoolTransact's platform fee.
Withdraw your share, roll profits back in, or start a new pool — your capital keeps compounding, with full transaction history on hand for your own records.
Existing, profitable businesses can apply directly to any investment group for growth capital — no separate lender, no opaque process. The group reviews your case and comes back with a clear offer covering the amount, interest rate, and repayment date, which you can accept or negotiate before funds are disbursed from the pool.
Submit your business case, requested amount, and intended use of funds to any group.
The group reviews your application and proposes an amount, interest rate, and repayment date.
Review the offer, negotiate terms if needed, then accept — funds are disbursed from the group's pool.
Repay the agreed amount plus profit by the due date; every request stays logged and auditable.
Every request is logged. All funding applications, offers, and repayments are tracked and fully auditable, and on-time repayment builds your standing for future funding.
Post a business idea and open it up for discussion — any verified member can join the conversation, no approval needed. It's the easiest way to find a financial partner who shares your interest, right inside PoolTransact.
Looking for partners to co-fund a pilot batch of low-cost solar irrigation kits for smallholder farmers.
Building a shared delivery fleet for independent grocers in Lagos — need co-investors and a logistics partner.
Connecting construction firms with idle machinery to smaller contractors who need it short-term. Seeking a technical co-founder.
Drivers list a route, pickup point, and fare; riders browse listings and request a seat that fits their commute. Once a driver accepts, the group coordinates in-app and splits the cost daily, weekly, or monthly — and can follow every trip live from pickup to drop-off.
Drivers set a convergence point, fare, and billing cadence; riders browse and request a seat on a route that fits their commute.
Riders and drivers coordinate pickup details and stay in touch in-app, from request through drop-off.
Split the fare daily, weekly, or monthly — whatever works for the group.
Once a trip starts, riders can follow the driver's live location in real time, and generate a shareable tracking link for anyone outside the app.
PoolRide isn't limited to a handful of launch markets — anyone sharing a daily route, in any city worldwide, can list a ride or request a seat. Lagos, London, Cape Town, and Paris are simply where it's already catching on.
Every transaction and message is encrypted in transit and at rest, with multi-factor authentication on sensitive actions.
Every pool operates on a compliance groundwork aligned to applicable financial regulations, wherever PoolTransact is available.
Automated monitoring flags unusual contribution or withdrawal activity before it becomes a problem.
Work ID, NIN, or International Passport verification keeps every pool made of real, accountable members.
Sign up in minutes, pick your pool, and start growing with people who think like you.