OCash Mobile — Save Smart, Build Wealth
OCash Mobile is a revolutionary savings and investment platform that helps you build wealth through disciplined monthly contributions. Powered by Optimum Innovations Limited.
How OCash Mobile Works
- Choose a savings plan from ₦1,000 to ₦1,000,000
- Earn a fixed 8% interest on every completed plan
- Or receive physical item rewards
- Automatic payments to your bank account within 24 hours
Plan Features
- Money Interest Plans — Receive your capital + 8% interest
- Item Reward Plans — Choose physical items (laptops, phones, etc.)
- Multiple Plans — Run several plans simultaneously
- Flexible Duration — 6, 12, 18, or 24 months
- Direct Debit — Automatic monthly deductions (optional)
OCash Interest Breakdown
OCash interest combines True Compound Interest (8% p.a.) with an additional OCash Bonus Interest on every plan.
- True Compound Interest — Calculated at 8% per annum, compounded monthly
- OCash Bonus Interest — An extra 0.0833% (1/1200) of your total contribution
- Total OCash Interest = True Compound Interest + OCash Bonus Interest
Note: Interest is calculated using the formula for True Compound Interest at 8% p.a., compounded monthly. Since the payout is made on the date of the final plan payment, the last contribution does not earn interest. This results in effective contribution periods of 5 months for a 6-month plan, 11 months for a 12-month plan, 17 months for an 18-month plan, and 23 months for a 24-month plan.
Why Choose OCash Mobile
- 💰 Fixed 8% Interest — Earn a flat 8% on every completed plan
- 🏦 Automatic Payouts — Funds sent directly to your bank account within 24 hours
- 📱 Multiple Plans — Run multiple savings plans at the same time with no limits
- 🎁 Flexible Rewards — Choose between cash interest or physical item rewards
- 🔒 Secure & Reliable — Your savings are tracked securely with automatic payment processing
- 👥 Badge Program — Partner with Active Citizens to earn while supporting youth empowerment
“Save smart, earn more, and grow your money with OCash Mobile”