Kinroot divides each transfer you send home between what your family needs this month and an account that accumulates in your name. Same corridor, same arrival time — one decision, made once.
No minimum. Change or pause the split at any time. The portion you allocate to yourself is never touched by the transfer fee.
Illustrative advice slip · rate shown is not live
Three hundred pounds a month for ten years is thirty-six thousand pounds. Nobody in the family did anything wrong with it — it went on rent, school fees, medicine and the funeral nobody planned for. That is what it was sent for.
The problem is structural. Remittance rails are built to deliver money and nothing else. At no point does the system ask whether a share of this should be accumulating somewhere, in your name, for the thing you actually left home to build.
Kinroot asks that question once, at setup, and then stops asking.
Amount, corridor and date — the same standing transfer you already send, moved onto Kinroot rails.
Decide what share lands in your family's hands and what share holds in your own account. Adjust it whenever you like.
Your family is paid at the usual time, in the usual way. The allocated portion is funded in the same movement.
Held in your name, visible in the app, withdrawable to either country whenever you need it.
Usually less than people expect. Move the fields to see what a change of ten or fifteen percent does over a few years.
Principal only. Figures exclude any investment return and assume the transfer continues uninterrupted. Where a sleeve is invested rather than held in cash, its value can fall as well as rise.
Held in naira, cedis, shillings or dollars. Withdraw to either country on demand.
Government bills and bonds in the destination market, at the tenor you choose.
Fractional exposure to serviced plots and completed units, with documentation held in your name.
Ring-fenced for named beneficiaries, released directly to institutions on presentation of fees.
Most services advertise a low fee and take the margin in the rate instead. We show both, on every advice slip, before the money moves — and the share you allocate to yourself carries no fee at all.
Setting up takes about four minutes. Move your next transfer onto Kinroot, choose a split you are comfortable with, and change it whenever you need to.
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