Frequently asked questions

ComboTrader lets you put money into real agricultural commodity trades — rice, soybeans, sesame, maize and more — that already have a buyer lined up. Kitovu buys from farmers, delivers to the buyer, and pays you back your money plus earnings on a fixed date.

Kitovu Technology Company Limited (RC 1348965), an agri-infrastructure company operating since 2017 and headquartered in Iseyin, Oyo State. Kitovu has served more than 25,000 farmers and moved more than 30,000 metric tons of commodities, and is active in nine Nigerian states, Benin and Rwanda.

Anyone aged 18 or over, from any country. You need an email address and a phone number. You verify your identity before your first withdrawal, or before you add more than ₦2,000,000 in total.

Create a free account, confirm your phone and email, fund your wallet, then choose a Trade Lot and the amount you want to commit. It takes about five minutes.

Each Trade Lot shows its own minimum, usually ₦1,000,000. Harvest Circles, where available, let you start with a single slot shared with other Champions.

A Trade Lot is one real buyer order: a commodity, a tonnage, a period (4, 6, 9 or 12 months), a rate and a closing date. When the lot is fully funded, it closes to new money.

Your money funds Kitovu’s purchase of commodities from verified farmers to fill signed buyer orders. Earnings come from the margin on those sales.

The rate is shown on each lot, currently 20% per annum, pro-rated by months. For example, ₦1,000,000 for 12 months earns ₦200,000; for 6 months it earns ₦100,000. Use the earnings calculator to see your figure and payout date before you commit.

On the payout date shown on your Trade Certificate: 4, 6, 9 or 12 months after you join. Your principal and earnings are credited to your ComboTrader wallet, and you can withdraw to your bank or join another lot.

Nothing changes for you. Kitovu pays your principal and earnings on your payout date from its own balance sheet, whether or not the buyer has paid yet. Collecting from the buyer is Kitovu’s job, not yours.

You are still paid in full on your payout date. Kitovu pays your principal and earnings from its own balance sheet and then pursues the buyer itself — enforcing the contract or reselling the commodity. The buyer’s default does not reduce what you receive.

Your payout is Kitovu’s own commitment, backed by Kitovu’s balance sheet. It is not a bank deposit and is not insured by the NDIC, so it depends on Kitovu remaining able to pay. Please read the risk statement before you commit.

No. Your money is working in a physical trade for the full period, so early exit isn’t available. Only commit money you can leave for the whole period.

If a lot is cancelled before the trade goes ahead — for example, if the buyer order falls through — your full amount goes straight back to your wallet.

Every lot is tied to a signed buyer contract held by Kitovu. Every trade has a Harvest Trail with dated updates and photos from the field team. Every Trade Certificate can be checked by anyone at combotrader.com.ng/verify.

Harvest Circles let friends, family, church or office groups fill part of a lot together, from a single slot. Your slots are reserved in your wallet, not spent. When every slot is taken, the trade starts for everyone on the same day. If the circle doesn’t fill by its deadline, your money is released back to your wallet automatically.

A way to build up to a Trade Lot month by month. Set a target and a monthly amount (from ₦20,000). We save it on your chosen day by card, or remind you to top up. When your savings reach the target, we join the next suitable lot for you. Your savings are yours and can be moved to your wallet at any time; they earn nothing until they are in a trade.

A choice for your payout date. Instead of paying into your wallet, we re-commit your principal (or principal and earnings) to the next open lot, same commodity first. If no lot is open within 14 days, the money stays in your wallet. You can change it on any trade until the payout date.

Yes. With Gift a Harvest you fund a trade from your wallet and we send the person a private link by email or SMS. When they claim it, the trade and its payout become theirs. If they never claim it, it stays yours.

Yes. Message our WhatsApp number from your verified phone and reply MENU to check your balance, trades, next payout, Harvest Trail updates and open lots, or ask a question. For your safety, money never moves on WhatsApp.

Through Paystack, by card, bank transfer or USSD. International Visa and Mastercard cards are accepted. Your wallet is held in naira.

There is no fee to join a lot or to withdraw to a Nigerian bank account. If a card fee applies, it is shown before you pay.

Add a bank account in your own name in your profile, then request a withdrawal from your wallet. We aim to send withdrawals within one working day. For your security, a newly added bank account can receive withdrawals after 24 hours.

Anti-money-laundering rules require it, and it protects your money. In Nigeria you verify with your BVN and a bank account in your name; your BVN goes to Paystack and is not stored by ComboTrader. Outside Nigeria you upload a passport or national ID, which our team reviews within two working days.

Yes. You can join from any country and pay with an international card. Withdrawals go to a Nigerian bank account, or Kitovu’s finance team can arrange an international payout.

Turn on two-step verification in Security, use a strong password, and never share codes. ComboTrader staff will never ask for your password, PIN or one-time codes.

Share your link from Refer & earn. When a friend you invite funds their first trade, ₦5,000 is added to your wallet.

Yes. Open the site in your phone’s browser and choose “Install ComboTrader” (Android) or Share → “Add to Home Screen” (iPhone). It opens full screen like an app.

Use the live chat in the corner of any page, send a message from Support in your dashboard, or email hello@combotrader.com.ng. We reply within one working day.