Anakin Network Services Ltd — Portfolio Advance Terms

Effective Date: 21 June 2026 • Version: 3.0
Governing Law: Federal Republic of Nigeria

These terms form part of and are subject to the Anakin Master Terms of Service and Anakin Credits Terms.

1. What Portfolio Advance Is

Portfolio Advance is a deferred settlement facility available to Prime and Prime Plus members. When you select Portfolio Advance at checkout, Anakin Network Services Ltd (RC: 9266503) settles the merchant on your behalf from its own working capital facility. Your outstanding advance is the cumulative amount Anakin has settled for you.

Portfolio Advance is not a personal loan. It does not involve a third-party lender and does not affect your external credit record.

Portfolio Advance does not translate to cash. It can only be used to settle purchases at Anakin-enabled merchants and for Anakin digital services.

2. Eligibility

Portfolio Advance activates automatically when you reach Prime tier (30 consecutive days of qualifying transaction activity). No application, credit check, or documentation is required. Maintaining access requires that your account remain in the Prime or Prime Plus tier.

3. Advance Ceiling

Your advance ceiling is calculated from your portfolio value — Credits units held multiplied by the current Fund NAV — and recalculates automatically after every transaction.

Tier	Advance Ratio
Prime (Day 30+)	70% of portfolio value
Prime Plus (Day 90+)	100% of portfolio value

Anakin reserves the right to adjust advance ratios with reasonable notice.

4. Interest and Fees

There is no interest charged on Portfolio Advance. There are no origination fees, service fees, or penalty charges.

5. Repayment

There is no repayment schedule and no payment obligation. You may voluntarily repay any amount from your AnakinPay wallet balance at any time, which reduces your outstanding advance and expands your available ceiling immediately.

6. Portfolio Backing and Liquidation

Your Credits portfolio contributes to the security pool backing Anakin’s corporate working capital facility. You may not liquidate Credits serving as backing for an outstanding advance. Your portfolio units are not debited or reduced by accessing Portfolio Advance and continue to earn NAV appreciation.

7. Streak Break

If your streak breaks: new access is suspended immediately, a 7-day grace window follows during which access remains available, and after 7 days without a qualifying transaction new access is suspended until your streak is rebuilt to 30 days. Your outstanding advance is never accelerated, penalised, or automatically cleared as a result.

8. No Auto-Liquidation

Anakin will never automatically redeem your Credits portfolio to satisfy an outstanding advance. Repayment is always voluntary and user-initiated.

9. Suspension

Anakin may suspend new access without affecting your existing outstanding advance where your account is suspended, your tier drops past the grace window, or a regulatory requirement applies.

10. Account Closure

Where you close your account with an outstanding advance, you must either repay it from your wallet or permit the minimum portfolio units required to clear it to be redeemed. Any surplus will be returned to your registered payment method.

11. Governing Law and Contact

These Terms are governed by the laws of the Federal Republic of Nigeria. Disputes are resolved per the Anakin Master Terms of Service.

The Anakin Network Services Ltd (RC: 9266503)
Old House 4, No. 16 Thames Street, Maitama, FCT, Abuja, Nigeria
support@theanakin.com