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Terms & Currency Policy

Please read this carefully before funding an investment. By funding, you accept these terms in full.

1. USD Benchmarking of Capital

All capital placed with Suretrader.ai is benchmarked in United States Dollars (USD) at the platform's prevailing operational entry rate on the day funds are received. Deposits are made in Nigerian Naira (NGN) and converted to a locked USD baseline. This baseline is the asset that earns your fixed return, and it is preserved against local currency inflation for the full duration of your investment cycle.

2. Fixed Maturity Tiers

Returns are fixed at the point of entry according to the tier selected: 1 month at 5%, 3 months at 15%, 6 months at 30%, and 1 year (365 days) at 60%. Interest accrues on the USD baseline and is released together with capital on the maturity date. Funds are locked for the full tier duration and cannot be withdrawn early.

3. Naira Payout and Currency Fluctuation

All payouts are made exclusively in Nigerian Naira. At maturity, your matured USD asset is converted back to Naira at the platform's operational market rate on the payout date. Because exchange rates move, the final Naira figure may differ from any Naira estimate shown at the time of deposit, in either direction. Growth is guaranteed in USD terms, not in Naira terms.

4. Exchange Rate Corridor and Firm Protection Protocol

Where the platform's operational market rate is at or below ₦1,600.00 per $1, the true market rate is applied to your payout. Where the operational market rate exceeds ₦1,600.00 per $1, the firm's liquidity safeguard activates and the conversion rate applied to your payout is capped at ₦1,500.00 per $1. This corridor protects the platform's liquidity during extreme macroeconomic volatility, and by investing you accept its application to your payout.

Suretrader.ai does not guarantee any Naira-denominated outcome. Growth is guaranteed in USD terms only. Funds are locked for the full tier duration and cannot be redeemed early.