Prime & Prime Plus — Exclusive

Interest-free credit.
Powered by your streak.

Credits Advance is a revolving credit line built into the Anakin app. No applications. No interest. No bank approval. Your limit is calculated from your transaction history and updates automatically. You unlock it just by using Anakin consistently.

Open the App How it works

"Anakin pays you in advance.
You pay it back by earning."

Credits Advance draws from your future Credits earnings. Every transaction you make from that point on automatically repays the advance — 75 kobo of every ₦1 in Credits earned goes to repayment. The rest comes to you. When the advance is cleared, 100% of your earnings are yours again.

Eligibility

Keep your streak. Unlock the credit.

Credits Advance is not a separate application or product. It is a feature that activates automatically when your Anakin streak reaches 30 days. Once you are at Prime, the credit line is live. There is nothing to apply for.

Standard
Day 1–29
Credits AdvanceNot eligible
Advance Limit—
Earning Rate1×
Prime
Day 30–89
Credits AdvanceEligible
Advance Limit15% of 30-day spend
Earning Rate1.25×
Prime Plus
Day 90+
Credits AdvanceEligible — higher limit
Advance Limit30% of 30-day spend
Earning Rate1.625×
Grace Days: You receive 2 grace days per 30-day cycle. If you miss a transaction window, a grace day activates automatically, extending your deadline by 48 hours. Miss two in a row and your streak breaks — but you have 7 more days of access to your advance before it pauses. Rebuild to 30 days to reactivate.

Your Limit

The more you spend, the more you can access.

Your advance limit is calculated from everything you have spent inside the Anakin ecosystem over the past 30 days. It recalculates automatically after every transaction — so as your spending grows, your limit grows with it.

Prime (Day 30+)
15%
of your 30-day rolling spend
Prime Plus (Day 90+)
30%
of your 30-day rolling spend
Example — Prime user 30-day transaction volume: ₦200,000
Credit Advance limit: ₦30,000 (15% of ₦200,000)
Available to draw: ₦30,000
Example — Prime Plus user 30-day transaction volume: ₦200,000
Credit Advance limit: ₦60,000 (30% of ₦200,000)
Available to draw: ₦60,000
Your limit never drops below your outstanding balance. If your spending volume falls, your limit adjusts — but never to a point where it would put you in a negative position. The system is self-correcting.

Drawing

Take your advance in three steps.

1
Open the Credits tab
In the Anakin app, navigate to the Wallet screen and select the Credits tab. Your advance limit, outstanding balance, and available credit are displayed here.
2
Choose an amount
Tap "Draw Advance" and enter any amount up to your available credit. There is no minimum. You can draw multiple times as long as your available credit is above zero.
3
Credits land instantly
The drawn amount is added to your Credits balance immediately. Spend it like any other Credits — at the POS, on digital services, or convert to a voucher.
Your advance draws from a single revolving line. There are no separate "loans" — each draw adds to one outstanding balance and repayment reduces it. Drawing multiple times is fine.

Repayment

It pays itself back. Automatically.

There is no repayment schedule. No due date. No penalty for carrying a balance. When you have an outstanding advance, every Credits earn event is split: 75% goes to repaying your advance, and 25% comes to you as normal. The moment your advance is cleared, the split ends and 100% of your earnings are yours again.

You spend ₦5,000 at a merchant
↓
Anakin earns ₦850 in Credits for you
↓
Outstanding advance
75% → ₦637.50 to repayment
25% → ₦212.50 to you
↓
Advance reduces. Your Credits grow.
When the advance is fully repaid: Any Credits that were being held in reserve (the pending 25% portion) are released to your balance in full at the moment the outstanding balance hits zero.

Early Settlement

You can settle your full outstanding balance early, instantly, using your available Credits balance. Open the Credits tab and tap "Settle Early." The full outstanding amount is deducted from your Credits balance, your advance resets to zero, and you are immediately back to full earnings.

Note: Early settlement clears the full balance — partial settlements are not available.

Streak & Access

Breaking your streak pauses the advance — it doesn't erase it.

If your streak breaks, your Credits Advance does not disappear. Here is exactly what happens:

1
Streak breaks
Your tier drops to Standard immediately. Your advance becomes inaccessible for new draws. Your outstanding balance remains. Repayment continues automatically via the 75/25 split on every transaction — the advance is still being paid off even while paused.
2
7-day grace window
You have 7 days from the moment your streak breaks to rebuild it. During this window, you can still draw from your advance. If you make at least one transaction within 7 days and rebuild toward Day 30, your tier restores.
3
Grace window expires
After 7 days without a qualifying transaction, your Credit Advance is suspended. New draws are blocked. Repayment continues. Rebuild your streak to 30 days and the advance reactivates.
Your balance is never written off. An outstanding advance in suspension continues to be repaid automatically from future Credits earnings. Suspension only blocks new draws — it does not affect your wallet balance or your ability to transact.

FAQ

Common questions.

Is Credits Advance a loan?
No. Credits Advance is a discount obligation — not a loan, not a financial instrument, and not regulated as such. Credits themselves are not money or stored value. They are a discount mechanism that Anakin issues as a marketing expense. You cannot convert Credits to cash, and Credits Advance does not involve any lending of money.
What is the interest rate?
Zero. There is no interest, no fees, no penalty for holding an outstanding balance. The only "cost" is that 75% of your Credits earnings go to repayment while you have an outstanding balance — and that 25% still comes to you.
Can I draw more than once?
Yes. You can draw as many times as you like as long as your available credit is above zero. Each draw adds to your single outstanding balance. There is no limit on the number of draws — only the available balance limits you.
What is the maximum I can draw at once?
Your full available credit. If your limit is ₦30,000 and your outstanding is ₦10,000, your available is ₦20,000 — you can draw the full ₦20,000 in one transaction if you choose.
Can I draw and then spend it anywhere?
Drawn Credits land in your Anakin Credits balance immediately. You can spend them at any Anakin merchant at the POS, use them on digital services (airtime, data, bills, etc.), or convert them into a voucher. Credits cannot be withdrawn to a bank account — they spend within the Anakin ecosystem.
What if my spending volume drops and my limit falls below my outstanding balance?
Your limit will never fall below your outstanding balance. If a recalculation would push the limit below what you owe, the limit is set equal to your outstanding. Your available credit becomes zero — meaning no new draws — until repayments bring the outstanding below the limit again. Nothing is forced or accelerated.
I settled early but my Credits balance didn't increase — why?
When you have an outstanding advance, a portion of your Credits earnings are held as "pending credits" rather than released to your balance immediately (the 25% portion during repayment). When you settle early, both the outstanding balance is cleared and all pending credits are released to your balance at the same time. You may see a larger-than-expected credit to your balance for this reason.
Is the 75/25 split applied to every Credits earn, even small ones?
Yes. Every Credits earn event while you have an outstanding balance is split 75/25. There is no minimum threshold for the split to apply.

Ready to unlock
Credits Advance?

Sign up, hit your 30-day streak, and it activates automatically. No forms. No waiting.

Open the App

Credits Advance is available to Prime (Day 30+) and Prime Plus (Day 90+) members. Credits are a discount obligation issued by Anakin Network Services Ltd, not money or a financial instrument.