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Chapter eighteen.

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Musa Ibrahim is a civil servant at the Kaduna State Ministry of Agriculture.

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He joins SCAFI from his own DFFMS account.

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Under Investments, he sees the schemes that are open.

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SAIF shows a badge: subscribe on the SEC crowdfunding platform.

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It cannot be joined here.

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SCAFI has a Join button.

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He picks his cooperative from the verified list, then gives his employment, his ministry,

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his staff or IPPIS number, his phone, state, gender, and whether he is aged eighteen to thirty-five.

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He enters his NIN and BVN.

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DFFMS stores them only as secure tokens, never as plain numbers, and blocks anyone who tries to join twice with the same identity.

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Then his bank details for payouts.

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Only the last four digits of the account are kept.

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He consents to the scheme terms and submits his application.

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His membership is created with a membership number, waiting for verification, and he is notified.

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The registrars are told there is a new member to verify.

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Rakiya checks the cooperative roll, his IPPIS number and his NIN match, and verifies Musa.

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He is now an active member.

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SAIF investors do not join on DFFMS, so Rakiya registers Blessing Okon by hand.

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The key field is the platform investor reference, which links her to the crowdfunding platform's records.

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Blessing's membership now waits for verification.

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Because Rakiya recorded this member, she cannot verify her.

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Ibrahim checks the platform statement and verifies Blessing.

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The member register lists both members, their scheme, cooperative, employment, state, units and status.