Core · 80–90%
Held
Broad funds, Nigerian names you mean to own, and international holdings. The exit is a broken thesis, not a red candle. New surplus lands here first when the book is under its target.
Personal CFO · Nigeria
The desk between your salary and the trade.
Ezeme is a private system for one investor. It watches cash flow in naira, keeps a long-term book apart from a short-term sleeve, and will not place an order you have not signed.
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01
Bank
Income, bills, and leaks. Open Banking, never a stored password.
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02
Surplus
Cash on hand is not money you can invest. Essentials and the reserve come off first.
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03
Core
Most of the book. Broad funds and long-term names. Reviewed when the thesis breaks, not on a stop.
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04
Satellite
A smaller sleeve for shorter trades, with a hard loss limit and a time exit.
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05
Approval
The model writes the reason. You press approve. Nothing moves on its own.
Two books
Long-term money and short-term money do not share a stop.
Satellite · 10–20%
Traded
A capped sleeve. One percent risk per idea, a daily loss limit, and a clock. Crypto sits beside it, spot only, and does not borrow the equity book’s room.
The rule
Intelligence proposes. Limits dispose.
- 01 It will not invent a price, a filing, or a naira balance.
- 02 It will not move money without an approval for that exact amount.
- 03 It will not trade the long-term book with a stop-loss.
- 04 It will not treat Binance as a naira on-ramp.
- 05 It will not start as a bot. Paper first, then a human signature.
Personal use first