This guide walks you through everything you need to know to use Verto Reserve: opening your first deposit, tracking it, what happens when it matures, and how to reinvest.
What is Verto Reserve?
Verto Reserve lets your business earn interest on funds you're not using immediately, across multiple currencies, without moving money out of the Verto platform or opening any new accounts.
When you place funds into Reserve, they're held in fixed deposits (and select money market funds) with Verto's vetted, regulated banking and asset management partners. You track everything from the same Verto wallet you already use.
Why businesses use Reserve
Multi-currency yield: earn interest in USD, NGN, KES, EUR and GBP, all on one platform.
No local entity required: earn local interest rates in these currencies without a registered business in that market.
One consolidated treasury: manage your cross-border payments and your interest earnings in a single place.
High liquidity on most deposits: the minimum term is just 30 days, and on many deposits, funds can be broken early if you need them sooner (a fee applies). Some deposits cannot be broken early and are locked until their maturity date. This is always shown clearly before you confirm a deposit, so you know exactly what you're agreeing to.
Who can use Reserve
Reserve is available to Verto's global corporate clients, with one exception: it is not currently available to businesses registered in the UK, US, UAE, or South Africa.
Currencies, minimums and cut-off times
A quick reference for what you can deposit and by when, to have it processed the same day.
Currency | Minimum deposit | Same-day cut-off (UK time) | Available via |
NGN | 15,000,000 NGN | 11:00 AM | Multiple regulated partners |
USD | 10,000 USD | 11:00 AM | Multiple regulated partners |
KES | 1,300,000 KES | 11:00 AM | I&M Bank |
GBP | 10,000 GBP | 11:00 AM | I&M Bank |
EUR | 10,000 EUR | 11:00 AM | I&M Bank |
Deposits made after the cut-off, or on a weekend or public holiday, are processed on the next available business day. You'll see this clearly noted during the deposit process.
How much can I earn?
Yields vary by currency, amount and term. You can earn up to 10%+ on eligible emerging-market currencies. Current indicative rates for your chosen currency and term are always shown before you confirm a deposit, so you know exactly what you're agreeing to.
Opening your first Reserve deposit
It takes just a few minutes to place your first deposit. Here's exactly what to expect.
Go to Wallets, then Reserve
From your Verto dashboard, open the ‘Wallets’ section and select ‘Reserve’.
2. Click ‘Deposit’
This starts a new Reserve deposit.
3. Choose your currency and add funds
Select the currency you'd like to deposit (USD, NGN, KES, GBP or EUR) and enter the amount. It must meet the minimum for that currency (see currencies, minimums and cut off times above).
4. Select your term
Choose how long you'd like to place the deposit for. The minimum is 30 days.
5. Review and confirm
Check the amount, term, and indicative rate, then confirm. Your deposit will show as ‘Pending’ while it's being placed with our banking partner.
6. You're set
Once you submit your deposit, it will show as "Pending" while we set it up with our partner. Once approved, you'll get a confirmation email and the status will update to "Ongoing", meaning your deposit is now active and earning towards its maturity date.
Tracking your deposits
Everything about your Reserve activity lives in one place. Open the ‘Reserve’ section at any time to see:
All of your active deposits, by currency and term.
The interest accumulated on each deposit so far.
The maturity date for every deposit.
The status of each deposit: Pending, Ongoing, or Matured.
What happens when your deposit matures
THE MOST IMPORTANT THING TO KNOW
When a deposit matures, your principal and interest are credited back to your Reserve wallet, not your main wallet. You'll get an email confirmation notification, and the funds are ready for you to withdraw or reinvest.
Step by step:
Your deposit matures on schedule
No action is needed for the deposit to mature. It happens automatically on the maturity date shown on your dashboard.
Funds land in your Reserve wallet
Your principal plus the interest you've earned is credited to your Reserve wallet for that currency, and the status updates to ‘Matured’.
Decide what to do next
From here, you can either move the funds to your main wallet, or reinvest them into a new Reserve deposit.
Reinvesting a matured deposit
PLEASE NOTE
Reserve deposits do not renew automatically. To keep your funds earning after maturity, you'll need to place a new deposit, using the funds already sitting in your Reserve wallet. This takes the same few steps as opening your first deposit.
How to reinvest:
Go to Wallets, then Reserve
Your matured funds are already here, sitting in your Reserve wallet for that currency.Start a new deposit, exactly as you did the first time.
2. Reinvest the full available balance
Reinvesting currently works on the full amount available, you can't reinvest just part of it. If you'd like to keep some back, withdraw it first, then reinvest the rest.
Confirm
Your new deposit follows the same Pending → Ongoing journey as before, and you'll receive a fresh confirmation once it's placed.
If you'd prefer to withdraw instead, simply move the funds from your Reserve wallet to your main wallet at any time after maturity, no separate request needed.
Need your funds before maturity?
Reserve is designed to be flexible. If your circumstances change, you can request an early withdrawal, subject to the following:
When you can request it | Requests must be made more than 3 business days before the original maturity date. |
What it costs | A 50% penalty is applied to the interest earned up to that point. Your principal is not affected. |
How you're paid | Your principal, plus the remaining 50% of accrued interest, is returned to your wallet within 2 to 3 business days. |
How to request | Contact your Account Manager or sendn an email to support@vertofx.com , Verto will confirm the exact payout amount with you before anything is processed. |
Security and how your funds are held
We know that placing funds for a fixed period is a decision worth understanding fully. Here's exactly how it works.
Where does my money go?
To generate yield, your funds are sent directly to and held by Verto's carefully vetted, regulated banking and asset management partners, such as I&M, First Asset Management, ARM, and Providus. Verto is the platform you use to place and track your deposit; the partner institution holds the funds.
Is my principal guaranteed?
There is no direct principal guarantee from Verto. Your funds carry the risk profile of the underlying regulated bank or asset manager, all of which are rigorously vetted before we work with them. Local deposit insurance schemes may apply in some markets, but at typical corporate deposit sizes, funds are generally not fully insured. We're transparent about this so you can make an informed decision.
Do I need to sign anything extra?
No. All terms and conditions are available and agreed digitally, directly within the Reserve section of the Verto platform, no separate paperwork required.
Frequently asked questions
Do I need a local entity to earn interest in that country's currency?
No. That's one of the key benefits of Reserve. You don't need a local entity to benefit from local-currency interest rates, removing a significant barrier for global businesses.
What's the minimum term?
30 days, across every supported currency.
Can I borrow against my Reserve deposit?
Not currently. We're tracking demand for this, but it isn't available yet.
How do I know when a deposit is about to mature?
Your dashboard always shows the maturity date for every active deposit, and you'll receive an email notification the moment it matures.
Does interest get added automatically, or do I need to do anything?
Interest accrues automatically for the length of your term. No action is needed until maturity, at which point you'll choose whether to withdraw or reinvest.