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Transfers via virtual account typically reflect within a few minutes. If it has been more than 15 minutes and your balance still hasn't updated, check that you transferred to the correct virtual account number displayed in the app under Wallet → Fund. If the issue persists, contact us on WhatsApp with your transaction reference number.

Check that the phone number on your account is correct and that you have network signal. OTPs expire after a few minutes — request a new one if yours has expired. If you are on a network with known delivery issues, try switching signal (moving location or switching to data) and requesting again. If you still cannot receive OTPs, contact us on WhatsApp.

Your Credits land in your portfolio automatically on every qualifying transaction — the full amount, with no deduction. Your portfolio value is the number of Credits units you hold multiplied by the current portfolio unit value, which changes daily as the fund accrues yield. Check the Credits tab in the app for a full transaction history. If you have an outstanding Portfolio Advance, this does not reduce your portfolio — your units remain intact and continue to earn; only your available advance ceiling is affected. Contact us on WhatsApp if you believe there is an error.

When your streak breaks, you have a 7-day grace window during which your Portfolio Advance remains accessible. If you rebuild your streak within 7 days, your Prime status restores. After 7 days without a qualifying transaction, new access is suspended — but your outstanding advance stays exactly as it is with no penalty, no acceleration, and no automatic changes. Your portfolio continues to accrue yield, which naturally grows your ceiling over time. Rebuild to 30 days to reactivate. Full details →

Your virtual account number is generated after you complete email and phone verification. Go to Wallet → Cash tab. If the account number is not visible, make sure both your email and phone number are verified (you will see a banner on the home screen if either is pending).

Yes. You can liquidate all or part of your Credits portfolio at any time from the Portfolio tab in the app. Liquidation converts your Credits units to naira at the current portfolio unit value, and the proceeds land in your AnakinPay wallet instantly. From your AnakinPay wallet you can withdraw to your bank account at any time. You may only liquidate Credits that are not serving as backing for an outstanding Portfolio Advance.

Open the app, go to Profile → Refer & Earn. Your unique referral code and a pre-written share message are there. When your friend signs up using your code and completes their first transaction, you both receive ₦1,000 in Anakin Credits automatically.

Contact us on WhatsApp or at support@theanakin.com. Include the email address on your account and your reason. We will process the request in accordance with our Privacy Policy.