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Welcome.

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This guide walks you through DFFMS, the Digital Financial Flow Monitoring System, one screen at a time.

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DFFMS is the record and monitoring platform for the Special Agro-Industrial Processing Zones programme, known as SAPZ.

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It does three things.

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It keeps one record of every naira, from the first application to the last repayment.

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It makes sure every money movement is recorded by one person and approved by another.

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And it tells everyone affected what has happened, in the app, by email and by browser notification.

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The programme is worth ₦420 billion, set out in the October 2026 term sheet.

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It is split across five financing facilities, from climate-smart farming clusters to large infrastructure.

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Alongside them sit two alternative investment schemes, SCAFI and SAIF, where civil servants, cooperatives and investors buy units.

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Many different people use DFFMS.

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Members of the public apply for finance or join a scheme.

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Programme, state and bank staff review and manage the work.

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Finance officers record money, and separate approvers check it.

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Analysts, auditors, executives and investors watch the results.

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Each person sees only the pages and the records their role allows.

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This guide has five parts.

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First, the public website.

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Second, facility finance, following one cooperative from its request to a disbursed loan and a repayment.

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Third, the two investment schemes, in full detail.

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Fourth, monitoring, early warnings and reports.

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And fifth, administration, settings and what each role sees.

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All the people and organisations you will meet are fictional, and every screen is the real platform.