Access cash anywhere.
Your Cube Phone is your bank.
Merchants using Cube Phone can access working capital regardless of location — no bank branch, no paperwork. Generate volume on CubeOS and unlock instant credit that follows you everywhere.
Your monthly volume
₦500,000
Eligible to borrow
₦500,000
1:1 volume-to-credit ratio · No collateral needed
Credit Tiers
More volume, more credit.
Your monthly transaction volume directly determines your borrowing power.
Monthly volume
₦100K
Credit limit
₦100K
Monthly volume
₦250K
Credit limit
₦250K
Monthly volume
₦500K
Credit limit
₦500K
Monthly volume
₦1M+
Credit limit
₦1M+
From volume to credit in four steps.
No applications. No waiting. Your business activity speaks for itself.
Move your business to CubeOS
Accept payments, send invoices, and manage transactions through the Cube ecosystem.
Build your volume
Every naira that flows through your CubeOS account counts toward your monthly volume score.
Unlock your credit line
Hit ₦500K monthly volume and instantly qualify for up to ₦500K in borrowing — no paperwork, no bank.
Grow and repeat
As your volume grows, so does your credit limit. Repay on your terms, borrow again instantly.
Why DPO
Credit, reinvented.
Built for businesses that move fast — without the friction of traditional lending.
No collateral required
Your transaction history is your creditworthiness. No assets to pledge, no guarantors needed.
Instant disbursement
Approved funds hit your CubeOS wallet in seconds — not days. No waiting, no hidden delays.
Transparent rates
Fixed, low-interest rates with no hidden fees. See your repayment schedule before you borrow.
Decentralised & private
Your data stays on-chain and encrypted. No credit bureaus, no third-party data sharing.
Flexible repayment
Repay weekly, biweekly, or monthly. Auto-deduct from your CubeOS earnings or pay manually.
Build on-chain credit
Every successful repayment builds your decentralised credit score — portable across the Cube ecosystem.
Generate ₦500K monthly volume. Borrow up to ₦500K.
A small retailer processing ₦500,000 in monthly transactions through CubeOS automatically qualifies for a ₦500,000 credit line. No application forms, no bank visits, no waiting — just instant access to working capital when you need it.
₦500K
Monthly volume
₦500K
Credit available
FAQ
Questions, answered.
What counts as "monthly volume"?
Any transaction processed through your CubeOS business account — payments received, invoices settled, transfers, and trade volume on the Cube DEX. All verifiable on-chain activity counts.
How quickly can I access my credit?
Once you hit the volume threshold, your credit line activates instantly. Funds are disbursed to your CubeOS wallet in seconds after you request a drawdown.
What are the interest rates?
Rates start from 2.5% monthly for the Starter tier and decrease as your volume and credit history grow. Enterprise-tier borrowers enjoy the lowest rates in the ecosystem.
What happens if I miss a repayment?
Your credit score adjusts and your available credit may reduce temporarily. There are no hidden penalties — just a transparent recalculation based on your updated risk profile.
Is my data shared with banks or credit bureaus?
Never. DPO is fully decentralised. Your credit score lives on-chain, encrypted and controlled by you. No third party can access it without your permission.
Your business is your credit.
Start borrowing today.
Move your business to CubeOS, build volume, and unlock instant credit — no banks, no limits.