Personal services · Wadajir
Contract C-2104: Fit-out equipment for a second room
It is worth the money it will still pay you. Money later is worth a bit less than money now, so later payments count for less. The line falls as payments reach you: that money is already yours, not lost.
At the start: $10.48
Pick a month
How much do you want to earn each year?
At the start, one unit is worth about $10.48, if you want 12% a year.
It still has $10.78 to pay out. In its last month, just before the final payment, it is worth $2.16.
The issue price is $10.00, so it is worth 5% more than that price. Buying at that price would earn about 35.3% a year.
See the numbers
| Month | Worth |
|---|---|
| Month 0 | $10.48 |
| Month 1 | $8.42 |
| Month 2 | $6.35 |
| Month 3 | $4.25 |
| Month 4 | $2.14 |
| Month 5 | $2.16 |
A guess, not a promise. It assumes every payment arrives in full and on time. If payments stop, a unit is worth less.
Invest
Investor #A7F2 · cash $1,450 · balance $3,500
No more than 20% of your balance can go in one business. Existing exposure: $0.
Business #K19
Barber shop with three staff, adding a second room.
The real name is verified by the platform through KYC and kept private. Public IDs are a deliberate security choice.
Kalsooni Score
T2554 / 1000
554 now
Dotted lines mark the scores needed for T2, T3, T4 and T5.
- Repayment history (50% weight)84
- Unrelated investors (30% weight, 14 investors)28
- Time on platform (20% weight, 9 months)25
Repayment track record
Contracts fulfilled: 2 / 2
Standard report summary
Reported by the business and checked against mobile-money statements where provided. Public to everyone.
Tranche schedule
- Tranche 1 · $360Upcoming
Paid directly to the supplier once the contract is signed
- Tranche 2 · $360Upcoming
Paid to the supplier after delivery is confirmed
- Final payout · $180Upcoming
Controlled by the platform. Released after reports are checked; can be paused if an anomaly is detected
Contract terms
- The platform buys the goods from the supplier directly. The business never receives this $900 as cash.
- The business then repays cost plus a markup agreed at signing, over 5 months. The markup does not grow if repayment is late.
- Investors expect 7–9% over the whole term. The range is there because the final supplier invoice sets the exact figure.
- If the business fails, you can lose some or all of this money. Recovery goes back to investors in proportion to what each put in.
- If fraud is found, the business is permanently banned and what remains is liquidated back to investors.
Risk disclosure
You can lose some or all of your money.
This is a venture market. These are small, young businesses, and some fail. Returns are expectations, not promises.
You may not be able to get your money out before a contract ends. Keep each investment small and spread across businesses.