Private credit for individuals
Institutional private credit, from $10.
Target 9-13% a year from income opportunities that usually need six figures to enter, curated by professionals. Deposit with stablecoins. Returns are variable and your capital is at risk.
Account in 2 minutes. Verify your ID, then deposit from $10 with stablecoins.
Private Credit Portfolio
One position across every private credit opportunity on Zignaly
Target set from returns paid since January 2026. Not a forecast, not guaranteed.
Projection
What $5,000 could become.
Net of the 10% success fee, with earnings reinvested once a year at the rate you select. The dashed line is the same money left where you choose below.
An estimate, not a promise. Returns are variable and not guaranteed, and your capital is at risk: if payments fail beyond what the protections absorb, or an originator fails, you can lose part or all of what you invest. Inflation and savings rates are assumptions.
What you're investing in
Money that's already owed, advanced a little early. The fee for that is your return.
Private credit is financing that happens outside banks and public markets. On Zignaly it means invoices already issued and payments already made that take days or weeks to settle. Professional originators advance them, curate them and sort them by risk category. Until recently the minimum ticket was in the hundreds of thousands; on Zignaly it starts at $10.
A payment is already on its way.
A business has issued an invoice and waits 30 to 90 days for it. A remittance has been paid by the sender and takes days to reach the receiving company. The money is owed; only the timing is open.
A professional originator advances it.
The originator checks who owes the money, advances most of it now, collects the full amount when it settles, and sorts every deal into a risk category. Your capital funds these advances.
It settles with a fee. That's where your return comes from.
The full amount comes back, the same capital goes into the next advance, and the fees, after costs and any losses, reach you. You're paid for two risks: a payment failing, and an originator failing.
How it works
Three steps to start earning, once your account is created.
Creating the account takes two minutes, with email or Google. Then:
Verify your identity
Have your ID at hand. The check runs inside the app.
Add money
With stablecoins, from $10.
Invest in the Private Credit Portfolio
Earnings reinvest automatically. Request a withdrawal any time: usually paid within days, up to 90 at most.
Fees
You pay only when you earn.
No management fee, no entry fee, no exit fee. Zignaly earns a share of your profit, so the platform only makes money when you do.
Risks, plainly
What can go wrong, in plain words.
Private credit isn't tied to share prices. Its risks are different, all of them real, and the target return is the compensation for taking them.
Credit risk
A payment can fail to arrive. Advance rates, collateral and first-loss arrangements are designed to absorb losses, and they can be insufficient.
Originator risk
You depend on each originator's checks, servicing and collections. An originator failing operationally is a risk to your capital even if every payment arrives.
Liquidity
Capital is committed to financing cycles of 30 to 90 days. Withdrawals are usually paid within days from deposits and repayments; in stress, a withdrawal can wait until the current cycle repays, up to 90 days.
Reporting lag
Credit deterioration surfaces after the fact. A published figure may not yet reflect a repayment problem already in progress.
Security and regulation
Who holds your money, and who answers for it.
Your agreement is with Highend Technologies LLC and its affiliate Merritt Administrators (Pty) Ltd, the authorised Financial Services Provider regulated by the Financial Sector Conduct Authority of South Africa, FSP 46517 (Category II), under whose licence the investment services run. Idle balances are held at Fireblocks; deployed capital is held by the originator that advances it. Two-factor authentication is available on every account. Investor protections depend on your country.
Fireblocks powers our custody with industry-leading security certificationsQuestions
The ones people ask before they invest.
It's not guaranteed, and yes, you can. Returns are variable, and if payments fail beyond what the protections absorb, or an originator fails operationally, the portfolio can lose value, up to your full investment. Not being tied to share prices doesn't make it risk-free: the risks are credit, counterparty, operational, liquidity, currency and regulatory.
Professional originators: companies that finance invoices and payment flows, check every counterparty, service and collect the payments, and sort each deal into a risk category. Zignaly curates which originators are admitted, provides the technology and distribution platform, and doesn't underwrite the credit itself.
You can request a withdrawal at any time. Withdrawals are matched against new deposits and incoming settlements, so they're usually paid within days. The worst case is one financing cycle: up to 90 days.
You deposit with stablecoins, and you request withdrawals from the app at any time. Usually paid within days; 90 at most.
A success fee only, charged on net profit: 10% on the Private Credit Portfolio, 15% on single opportunities. No management fee, no entry fee, no exit fee.
No. The investment is financing real payments and invoices. Stablecoins are only how money moves in and out, the way a bank uses a payment network.
Private credit has been live on Zignaly since January 2026 and is the platform's flagship product. Zignaly has operated as an investment platform since 2018.
Need a person?
Chat with us 24/7 from inside the app: an assistant answers first, and someone from our team takes over during business hours. Or search the help centre.
Start today
Put money you won't need for a while into private credit, from $10.
From $10. Withdrawals usually paid within days. Regulated, custodied, and clear about the risks.
Start investingCapital at risk. Target return, not guaranteed.