1. Capify
What is Capify?
Capify is an Aposhashamura product that is designed to harness & accumulate the economy's idle fund & turn them into Cheap, Long-Term Investible Capital. Investible Capital is an Asset, so there must be Returns on Assets (ROA). Returns on Asset (ROA) is a form of Returns on Investment (ROI). 

The Accumulated Investible Capital is then used to create Lines of Credits (Loans) that can be accessed by Individuals and Micro, Small & Medium Scale Enterprises (MSMEs).

The  National Financial Inclusion Strategy (NFIS)
In 2012, the Central Bank of Nigeria (CBN) adopted the National Financial Inclusion Strategy (NFIS). One of the key goals of the NFIS was aimed to ensure that Nigeria have 70% of its adult population in the formal Financial Services Sector. The formal Financial Services Sector is driven to provide the Nigerian Adult Population with Four(4) key Financial Services- Money Lending, Investment, Payments & Agency Banking. This means that every Nigerian Adult must be able to Borrow, make Savings/Investments plans, make Payments easily & must have access to Banking Services. This is the core principle of Financial Inclusion!

The principle of Financial Inclusion has assumed a greater level of importance due to its perceived importance as a driver of economic growth. Including millions of Nigerians who are presently excluded from the formal Financial Services would provide the possibilities for the creation of a Large Depository of Savings & Investable Funds. 

Mehrotra et' al (2009) emphasized that a huge population control enormous chunk of the economy's Depository of Savings & Investable fund, albeit idle, held in small amount in the hands of several millions of people. Harnessing & Accumulating these Idle Funds will promote enormous Capital Accumulation, Credit Creation & Investment Boom