At Skystone Finance, funds are mobilized primarily through customer deposits and deployed into assets such as loans. We ensure adequate liquidity by accurately forecasting cash flows to prevent funding gaps and support effective decision-making.
Excess cash is also invested for short and long-term needs, with a strong focus on principal preservation, liquidity, and return.
In addition, we identify, measure, and mitigate key financial risks, including interest rate, credit, and liquidity risks, while managing the asset-liability mix to optimize its financial position, interest income, and overall risk exposure.
Skystone Finance offers two youth-focused savings products designed to build strong financial habits from childhood to adolescence.
The Skylight Account supports children aged 0–10 with a parent-managed savings plan that offers 6–12% annual interest, birthday rewards, financial-literacy tools, and milestone incentives like certificates and badges.
For teens aged 11–17, the SkyStar Saver turns saving into an adventure with gamified milestones, 5–12% interest p.a, blockchain-secured “Star Tokens” for every N50,000 saved, and exclusive access to Skystone’s Investment Training Bootcamp for top savers. Together, these accounts give young people a fun, rewarding, and secure head start on financial growth.
Our savings solutions help you build a strong financial future, whether for personal milestones, shared goals, or long-term dreams. Lock in funds with guaranteed returns, save together with family or partners, or plan for retirement with structured, high-yield options. Enjoy flexible contributions, milestone rewards, and innovative features like blockchain-powered security and smart incentives, all designed to make saving simple, transparent, and rewarding. Start small or go big, every step you take with Skystone brings you closer to financial freedom and your dreams.
Skystone Finance offers transactional accounts designed for professionals and businesses to simplify money management, maximize opportunities, and stay financially agile. SkyReserve acts as your financial safety net, providing instant access to funds for emergencies or opportunities while earning 1–3% p.a. interest.
Sky-Business Account empowers companies with free banking, multi-layer approvals, bulk payment and payroll tools, overdraft facilities, and business debit cards to support growth. Earner-Saver helps professionals manage salary, expenses, and investments seamlessly, offering interest on balances, instant overdrafts, 1% cashback rewards, and easy access to treasury bills and bonds. Together, these accounts make managing money, staying prepared, and growing wealth effortless and rewarding.
- Skylight Account
- SkyStar Saver
- Earner-Saver
- SkyGrowth
- SkyVault
- Sky-Business Account
- Sky-Joint Account
- Sky-Re
- SkyReserve
- SkyLoyal
Skylight Account
A foundational savings account for children aged 0-10, managed by parents or guardians, and designed to introduce financial literacy early. Give your child a head start in life with the Skylight Account; a savings plan designed to spark financial literacy and secure their future!
SkyStar Saver
Revolutionary gamified account that transforms saving into an exciting adventure for teens (11 to 17 years). Our pioneering approach rewards every milestone with blockchain-secured tokens, making financial growth interactive and rewarding.
Earner-Saver
The Skystone Professional Account is the ultimate financial tool for modern professionals. It lets you seamlessly manage your salary, expenses, and unexpected costs while earning rewards. With the Skystone app, you can easily buy and manage treasury bills or bonds to grow your wealth from anywhere.
SkyGrowth
Step into the future of savings. This blockchain-powered wallet offers unmatched security and transparency, giving you complete confidence and control over your growing wealth.
SkyVault
For when you know your goals and want a risk-free path to get there. Lock in your funds for a fixed period and enjoy guaranteed returns. The SkyVault product line now offers two distinct options to match your financial strategy. This target savings is designed to be a high-yield alternative to government T-bills, offering customers attractive returns, where the principal is discounted and interest is received upfront.
Sky-Business Account
The account that simplifies operations and empowers your business to scale. From payroll to payments, we provide comprehensive tools for seamless financial management and business expansion.
Sky-Joint Account
Whether for family, friends, or business partners, this account makes managing shared finances simple, secure, and rewarding.
Sky-Re
Don't just retire, thrive! SkyRetire is more than a savings plan; it is your strategic partner in building the future you envision. We help you fund your dreams, whether it is a comfortable retirement or a major milestone. This is a dedicated savings product, not a licensed PFA scheme.
SkyReserve
Life is unpredictable. Be prepared without sacrificing growth. This is your instantly accessible fund for unexpected opportunities or emergencies, offering peace of mind and a little extra growth.
SkyLoyal
Exclusive account for existing customers with higher yields and special perks. Our way of saying thank you for banking with us.
- The rates are up for negotiations and are also subject to changes in Money Market Conditions
- Digital Integration: App features (blockchain, gamification, loyalty rewards) require internet access and are optimized for Android and iOS devices.
