Two Transformative Investment Opportunities
in Africa's Digital Future

Authentic E-Commerce Malls • Global Cardless Fintech Scale

Invest in Malls (₦250M) Invest in Fintech ($15M) Explore Platform View Whitepaper
Live
Production Platform with Stanbic IBTC
₦1B+
Combined Revenue Target (Year 3)
50%
Lower Fees vs Traditional Networks

Core Platform: Live & Revolutionary

Already Operational: Full-stack platform live with Stanbic IBTC Bank Plc. Virtual accounts active, biometric payments, offline sync, and WatrScan authenticity verification deployed.

Bluetooth Offline Payment Demo

Watch our cardless Bluetooth payment in action – secure transactions even without internet.

Revolutionary by Design

🔐

Biometric Security

PIN + fingerprint or facial recognition using HSM-protected cryptography. No cards to steal, no numbers to hack.

🌍

Universal Account Numbers

One identifier that works globally across all banks, merchants, and payment channels. True interoperability.

📡

Offline BLE Payments

Bluetooth mesh technology enables secure peer-to-peer transactions without internet. Perfect for rural areas and emergencies.

⚡

Real-Time Settlement

Sub-5-second authorization with instant ledger synchronization. No more T+2 delays or batch processing.

💰

50% Lower Fees

Reduce transaction costs from 1.5-3% to 0.1-0.3%. Save billions annually across your payment ecosystem.

🛡️

Enterprise Compliance

Built-in AML/KYC frameworks, real-time fraud detection, and automated regulatory reporting.

🏧

Smart ATMs

Open an account in 5 minutes at our AI-powered ATMs. No bank visit needed. Deposit cash, withdraw, shop—all in one place.

🛒

Built-In Marketplace

Shop from thousands of vendors worldwide. Electronics, fashion, groceries—all accessible from your wallet or any El-Fort ATM.

El-Fort Payment Network (EFN): The Foundation

A Paradigm Shift in Global Payments: EFN is our comprehensive payment network specification that enables banks and fintech institutions worldwide to issue cardless, biometric-verified Universal Account Numbers (UANs) that work seamlessly across borders.

The Revolutionary Advantage: Unlike traditional card networks (Visa, Mastercard), EFN eliminates plastic cards entirely, reduces fees by 50%, and enables true offline payments via Bluetooth mesh technology.

Key Features

🔐

Biometric Security

PIN + fingerprint or facial recognition using HSM-protected cryptography. No cards to steal, no numbers to hack.

🌍

Universal Account Numbers

One identifier that works globally across all banks, merchants, and payment channels. True interoperability.

📡

Offline BLE Payments

Bluetooth mesh technology enables secure peer-to-peer transactions without internet. Perfect for rural areas and emergencies.

⚡

Real-Time Settlement

Sub-5-second authorization with instant ledger synchronization. No more T+2 delays or batch processing.

💰

50% Lower Fees

Reduce transaction costs from 1.5-3% to 0.1-0.3%. Save billions annually across your payment ecosystem.

🛡️

Enterprise Compliance

Built-in AML/KYC frameworks, real-time fraud detection, and automated regulatory reporting.

🏧

Smart ATMs

Open an account in 5 minutes at our AI-powered ATMs. No bank visit needed. Deposit cash, withdraw, shop—all in one place.

🛒

Built-In Marketplace

Shop from thousands of vendors worldwide. Electronics, fashion, groceries—all accessible from your wallet or any El-Fort ATM.

Two Transformative Investment Opportunities

E-Commerce Malls Track

₦250 Million Raise

Capital-light model: rent & fit-out premium retail spaces to El-Fort standards. Products stocked directly by global manufacturers registered on the WatrScan authenticity network. Eliminate counterfeits, drive explosive footfall with cardless payments, capture high-margin commissions from verified sales.

Use of Funds & Operating Model:

The ₦250M raise will be deployed to secure and fit out premium retail spaces (renting and renovating to El-Fort standards), including advanced security systems, fire-proofing, biometric access points, cardless payment zones, and WatrScan verification stations.

No inventory risk: Products are stocked directly by registered global manufacturers and partners on the WatrScan authenticity network. El-Fort Malls act as verified showcase and fulfillment hubs, earning high-margin commissions on every authenticated sale without holding inventory.

This capital-light, asset-light model enables rapid nationwide (and eventual Pan-African) rollout with significantly lower risk than traditional retail development.

3-Year Financial Projections

Metric Year 1 Year 2 Year 3 (Upside)
Transaction Volume ₦500M ₦2B ₦5B+
Net Margin 1.0% 2.0% 2.5%
Annual Revenue ₦150M ₦600M ₦1.5B+
Operating Costs ₦100M ₦200M ₦300M

Potential ROI Calculator (Malls Track)

Investment Structure: Total raise target is ₦250 Million with 25% profit sharing allocated to all investors collectively for the funded malls. Your individual share is calculated proportionally based on your investment amount.

Example: If you invest ₦50M of the ₦250M total (20% of raise), you receive 20% of the 25% profit pool = 5% of total profits from these specific malls.

Key Risks: Consumer mistrust and preference for cash; Logistical and delivery challenges; Fragmented markets and poor infrastructure; Political instability affecting investments; Cyber fraud and security issues.

Assumptions & Sensitivity: Profits calculated as Revenue minus Operating Costs from projections. Adjust factors below for sensitivity analysis (e.g., Revenue Factor 0.8 for slower adoption due to mistrust, Cost Factor 1.2 for higher costs from infrastructure issues).

Your % of Total Raise
20.0%
Your Profit Share
5.0% of total mall profits
Projected 3-Year Profit
₦1.65B
Your Share (3 Years)
₦82.5M
Total ROI (3 Years)
65%
Invest in Malls →

Global Fintech Scale Track

$15 Million Round

Scale autonomous transaction machines (ATMs) where users will create accounts, offer banking, ecommerce services powered by Life AI, biometric POS networks, and enterprise compliance infrastructure across Nigeria and the USA. Lead the global shift away from plastic cards with lower fees, instant settlement, and unbreakable biometric security.

Use of Funds & Operating Model:

The $15M raise will fund the mass deployment of autonomous Smart ATMs and biometric POS terminals, enhancement of Life AI-powered services, building enterprise-grade compliance and security infrastructure, and geographic expansion into the USA market.

High-margin revenue streams: Transaction fees (50% lower than traditional networks yet profitable due to near-zero marginal costs), premium AI-driven financial services, and partnerships with banks/fintechs licensing the EFN protocol.

This scalable, tech-driven model leverages the already-live platform for rapid user acquisition and network effects, positioning El-Fort to capture significant market share in the global cardless payment revolution.

3-Year Financial Projections

Metric Year 1 Year 2 Year 3 (Upside)
Transaction Volume $50M $500M $2B+
Net Margin 0.5% 1.0% 1.5%
Annual Revenue $0.25M $5M $30M+
Operating Costs $5M $10M $15M

Potential ROI Calculator (Fintech Track)

Investment Structure: Total raise target is $15 Million entitling investors to 10% equity. Calculate your potential returns based on your investment amount and proportional equity stake.

Example: If you invest $3M of the $15M total (20% of raise), you receive approximately 2% equity (10% total equity × 20% contribution).

Key Risks: Cybersecurity threats and data breaches; Regulatory compliance across diverse African markets; Infrastructure limitations (unreliable internet/electricity); Operational failures and fraud; Market volatility for digital assets.

Assumptions & Sensitivity: Profits calculated as Revenue minus Operating Costs from projections. Adjust factors below for sensitivity analysis (e.g., Revenue Factor 0.8 for slower adoption due to regulatory hurdles, Cost Factor 1.2 for higher cybersecurity investments).

Your % of Total Raise
20.0%
Estimated Equity Stake
2.0% proportional to contribution
Projected 3-Year Profit
$5.25M
Your Share (3 Years)
$0.11M
Total ROI (3 Years)
-96%
Invest in Fintech Scale →

E-Commerce Malls Investment Details (₦250M)

De-risked Growth: Platform already live. Funds accelerate proven retail model with guaranteed authenticity via WatrScan—giving El-Fort Malls an unassailable edge.

Invest ₦250M in Malls via Stripe

Direct Bank Transfer Options

Nigerian Naira (₦) Account

Account: 0126304914

Bank: Wema Bank Plc

Name: EL-FORT GLOBAL SERVICES LTD

US Dollar ($) Account

Account: 0057979598

Bank: Stanbic IBTC Bank

Name: EL-FORT GLOBAL SERVICES LTD

Invest Today – Shape Tomorrow

Invest in Authentic Malls (₦250M) Invest in Global Fintech ($15M)
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Meet the Team

Ebarim Fortune - Founder & CEO

Ebarim Fortune

Founder & CEO

A visionary entrepreneur from Calabar, Cross River State, with extensive hands-on experience in full-stack engineering, cloud infrastructure and digital commerce. He has led El-Fort from concept to a live, operational platform working with Stanbic IBTC Bank Plc and real users.

Ohio Ifiabor - Managing Director

Ohio Ifiabor

Managing Director

A seasoned business builder with a B.Sc. in Banking & Finance from the University of Lagos (1988), plus Master of Banking & Finance (2000) and MBA (2001) degrees. Across 37 years he has led transformational initiatives in banking, fintech, e-commerce, telecoms, logistics and supply chain across Africa, the U.K., Canada and the U.S.

Julius Afolabi - HR Director

Julius Afolabi

HR Director

A highly accomplished professional with over two decades of experience in the banking sector and private enterprise. He is the creator of the SORT Strategy and the Compatibility Thinking Method, frameworks that help business owners, managers, coaches and trainers improve value, productivity and business performance.

For Consumers: Banking Without Borders

The Future of Money is Here: Forget plastic cards, PINs, and cash. El-Fort uses your fingerprint or face to secure transactions. Your phone becomes your bank, wallet, and shopping mall.

Old Way vs. El-Fort Way

Task Old Way 😞 El-Fort Way 🎉
Open Account Visit bank branch, wait weeks, fill endless forms 5 minutes at any Smart ATM with your ID
Send Money Bank transfer takes 2-3 days, costs ₦50-200 Instant, costs almost nothing
Shop Online Enter 16-digit card number, expiry, CVV... Touch your fingerprint, done
Pay in Store Carry cash or multiple cards, risk theft Just your phone + fingerprint
Buy from Abroad Hidden fees, bad exchange rates, delays Transparent rates, 100+ currencies, instant
No Internet? Can't pay, you're stuck Bluetooth payments work anywhere

How to Get Started

Choose your path: Smart Wallet app or Smart ATM

1

Download or Visit

Get "Smart" wallet from Play Store or find a Smart ATM near you

2

Verify Identity

Scan your ID and register your fingerprint or face

3

Get Your UAN

Receive your Universal Account Number in seconds

4

Start Using

Send money, shop, pay bills—all with your fingerprint