LIQUIDE™
Access Cash Without Breaking Investments
Unlock up to 65% of your investment as cash whenever you need it
Product Overview
LIQUIDE™ is a cash-backed overdraft facility that allows GlobalTrust customers to access liquidity against their fixed deposit, TrustLock, or VaultPlus Note™ investments.
- - Provides an automatic credit line of up to 65% of the invested amount.
- - The line is created immediately upon investment, with no extra application process.
- - Customers can DIY drawdown anytime via app or online banking.
- - Interest and fees apply only when the facility is used.
Target Market
- High-net-worth individuals (HNIs) and mass affluent customers with substantial savings.
- Corporate clients with treasury placements.
- Investors in GTMB’s VaultPlus Note™ or fixed deposit products who need liquidity without breaking their investment.
Product Features
Overdraft Type
Cash-backed
Collateral
Fixed deposit or VaultPlus Note™ (lien-marked)
Credit Line
Up to 65% of investment value
Drawdown
On-demand, DIY through GlobalTrust digital channel
Repayment
Flexible; automatic debit from deposit at maturity if unpaid
Tenor
Linked to tenor of the underlying investment
Pricing
- •Admin Fee: ₦1 at setup; payable only when drawdown occurs
- •Interest Rate: Prevailing investment rate on collateral product + 8%
- •Example: If Investment pays 12% → LIQUIDE overdraft charged at 20%
- •Interest Calculation: Daily on utilized amount
- •Penalty: None (collateral already held)
How to Get Started
- 01
Customer places funds in Fixed Deposit, TrustLock or VaultPlus Note™.
- 02
GlobalTrust system automatically creates overdraft line at 65% of investment.
- 03
Customer sees available LIQUIDE credit limit in dashboard.
- 04
Customer initiates DIY drawdown via digital channel.
- 05
Drawdown credited instantly.
- 06
Customer repays at will; if not, maturity covers exposure.
Operational Model
- System Integration: Core banking tags deposit/note with lien → credit line created.
- Risk Mitigation: 100% cash collateral; auto sweep at maturity; daily monitoring.
- Regulatory Compliance: Secured lending per CBN guidelines; NDIC deposits insured.
Revenue Model
- Admin Fee (only on utilization).
- Interest Income = Investment rate + 8%.
- Customer Retention = Keeps funds invested with GlobalTrust.
Risks & Mitigation
- Run Risk: Managed by full cash collateral.
- Rate Risk: 8% margin ensures profitability.
- System Risk: Real-time lien marking & auto sweep required.
Key Differentiators
- No need to break investment – keep investment running.
- DIY access – instant liquidity.
- Pay only when you use.
- Auto-protection – overdraft cleared automatically from deposit maturity.
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