Weaving your smallest streams of income into generational wealth.
Lillom intercepts your gig earnings and automatically routes micro-payments into dollar ETFs and fractional assets. Build your portfolio one trip, stream, or task at a time — and hold it in a currency that does not slip away from you.
Start from ₦100. Licensed partner custody. Every holding recorded to six decimal places on an immutable ledger.
Ledger entries are immutable and addressable to six decimal places
- Bolt
- Glovo
- Jumia
- Chowdeck
- Upwork
- SafeBoda
- Gokada
- Fiverr
- +40 more
Nobody fails to invest ₦120. They fail to invest it four thousand times.
Gig income arrives in amounts too small to act on. By the time it is worth moving, it has been spent — and what was left has lost a fifth of its value sitting still.
Taken from a typical Lagos trip under a 10% rule. Small enough not to notice.
Payouts a full-time rider receives in two years. That is the whole opportunity.
The naira's fall against the dollar across 2024, which is why the assets are dollar-priced.
Annual fee on the balance we manage. No monthly charge, nothing per trade.
Three steps, and then you are meant to forget about it.
Connect
Link your gig accounts or bank. Bolt, Glovo, Jumia, Chowdeck, Upwork and 40+ payout sources — read-only, revocable any time.
~2 minEarn & intercept
We automatically catch fractions of your earnings. Round up to the nearest ₦100, take a flat percentage, or skip the weeks you historically earn least.
per payoutGrow
Watch your micro-wealth compound daily in dollar ETFs, tokenised property and stablecoins — held in your name, not ours.
dailyThe naira you would have spent before it lost value.
A hundred and twenty naira a trip is invisible. Two years of it, moved into dollar assets the day it is earned, is a portfolio that holds its value.
The violet band is money you earned and did not spend. The amber band is what that money did on its own while you kept driving.
Illustration at a 7% dollar return plus naira depreciation. Not a projection of your results.
Four ways to hold what you weave.
| Ticker | Asset | Minimum | Your holding | Priced in |
|---|---|---|---|---|
| VOO | S&P 500 ETF | ₦100 | ₦412,880 | Dollar |
| LGS-RE | Lekki income property | ₦1,000 | ₦178,300 | Naira |
| USDC | Dollar stablecoin | ₦100 | ₦96,420 | Dollar |
| FGN-24 | FGN savings bond | ₦5,000 | ₦54,413 | Naira |
Six decimal places, and a line you can point an auditor at.
Every intercept writes the payout it came from, the rule that took it, the rate it converted at and the hash of the line before it.
Move the sliders until it looks like your week.
Most people underestimate this badly, because the amount taken each time is too small to register as a loss. Put your own numbers in and see what the year does with them.
Intercepted per week ₦5,400 · per month ₦23,400
Are you a platform? Embed Lillom and stop losing riders to the next app.
One API call on payout. Your riders and creators get a dollar-denominated portfolio; you get a financial-wellness feature you did not have to build, license or custody.
90-day retention among workers who switch it on
Median integration, sandbox to production
Workers enrolled across six markets
The four people ask before they connect anything.
Where is my money actually held?
With a licensed partner custodian, in your name — not on Lillom's balance sheet. Dollar assets sit with a US-regulated broker-dealer; naira instruments sit with a local licensed custodian. If Lillom disappeared tomorrow, your holdings would still be yours and the custodian would still be obliged to release them.
Why dollar assets rather than naira ones?
Because the problem is not only that small amounts do not get saved — it is that saved naira loses purchasing power. Holding index funds and stablecoins priced in dollars is the part that actually protects the work. We also offer FGN bonds for people who want naira exposure deliberately.
What does it cost?
0.25% a year on the balance we manage, charged daily against the portion you hold. No monthly fee, no charge per trade, no fee on money going in. On a ₦742,000 balance that is about ₦155 a month.
Can I stop or withdraw?
Any time. Revoke the payout connection and nothing further is intercepted. Withdrawals settle in two to four working days for dollar assets and same-day for stablecoin holdings.
Start with the next payout, not the next payday.
Link one payout source and your first fraction is invested today. From ₦100.
