Overview
Every listing here is a repayment position on a support plan or a Backed Fund — always tied to a real repayment schedule. There are two different reasons a position ends up listed:
A plan taken over by Garder
A repayment was missed, Garder stepped in and paid the supporter in full (Garder takeover), and the plan has since stopped repaying Garder. Garder lists that repayment position, usually for less than the amount still to be repaid, for another supporter to take over.
A supporter's own position
A supporter or Fund backer lists the repayments still due to them for sale directly — no missed repayment involved at all. This is simply an exit option for a supporter who wants their money back before the term ends.
Buying a Listing
Browse open listings, review the details, and buy the ones that fit your risk appetite.
Check eligibility
You need an existing support offer or Fund backing on your account — buying a repayment position is open only to members already active as supporters.
Review the listing
Every listing shows the amount still to be repaid, the asking price, the member's Trust Score band, and whether the plan is currently on track or overdue. Their full trust profile — including their name — is available as a paid unlock (see below).
Accept the disclosure
For an overdue listing, you'll confirm you understand repayment isn't guaranteed. For an on-track listing, you're acknowledging the usual risk of supporting a member — same as backing any other support plan.
Buy at the asking price
Your wallet is debited immediately. From that point, future repayments on this position come to you.
Unlocking a Member's Full Profile
By default, a listing shows only the member's Trust Score band. For a deeper look before you buy — their name, Trust Score, repayment history, support-amount range, completion rate, and Verified Earner status, plus who listed the position for sale — you can unlock it from your wallet.
Unlock one listing — ₦200
A one-time, permanent unlock of a single listing's full member profile. Once paid, it stays unlocked for you — no expiry.
48-hour all-listings pass — ₦1,000
Unlocks every listing on the Exchange — not just one — for 48 hours from purchase. Built for comparing several listings in one sitting.
Charged straight from your wallet
A confirmation screen shows the exact price before anything is charged. Nothing moves until you confirm.
Negotiating a Price
Don't want to pay the full asking price? On a supporter-listed position, you can make an offer and negotiate instead of buying outright.
Make an offer
From the listing page, tap "Make an Offer" and name your price. The seller is notified.
Either side can counter
The seller can accept, decline, or counter with a different price. Whoever receives an offer responds — you can keep going back and forth until you land on a number, or one side walks away.
Accepting settles the price, not the sale
Once a price is agreed, you still complete the purchase yourself — same risk-disclosure checkbox as buying outright — now charged at the negotiated amount instead of the asking price.
Withdraw any time before it's accepted
Changed your mind? Withdraw your offer while it's still pending, no penalty.
Selling Your Own Position
If you're a supporter on a support plan or backing a Fund, you can list the repayments still due to you for sale — whether the plan is on track or has fallen behind.
Where to list from
Open the support plan (from "My Backing") or the Fund you're backing, and look for List for Sale. You'll set your own asking price.
You're paid directly by the buyer
The buyer pays your asking price from their wallet into yours. Garder keeps a small fee from what you receive: 3% of the sale price for a plan that's on track, 1% for one that's overdue. The confirmation screen shows the exact amount.
The member is notified, not asked
Their repayment schedule and the total they repay don't change — only who receives it. They're told about the change; it doesn't require their approval, the same way a repayment collector can change hands elsewhere.
FAQ
Why can't I buy a listing if I've never given support before?
Exchange listings — even on-track ones — carry the usual risk of supporting a member. Restricting purchases to members with existing support history keeps buyers to people already familiar with that risk on this platform.
What happens if the member never repays?
For an overdue listing, that's the risk you accepted when buying it — there's no guarantee or refund from Garder. For an on-track listing that later goes overdue, you're in the same position any other supporter would be in.
Can I sell a position I bought from someone else?
Yes — once a position is yours (from a Garder takeover or bought directly from another supporter), you can list it again the same way.
Does listing my position cost anything?
You set the asking price. When it sells, Garder keeps 3% of the sale price for a plan that's on track (1% if it's overdue), and you receive the rest.
Can I withdraw a listing before it sells?
Yes, listings can be withdrawn any time before a buyer purchases them.
Can I negotiate the price instead of paying the asking price?
On a supporter-listed position, yes — make an offer from the listing page and the seller can accept, decline, or counter. Garder takeover listings are fixed-price only, since there's no individual seller to negotiate with.
What's the difference between "on track" and "overdue" on a listing?
On track means the plan is currently on schedule with no missed repayments — you're simply stepping in as the new supporter. Overdue means the plan has already missed a repayment and, for a plan taken over by Garder, has also stopped repaying Garder directly.
What exactly do I get when I unlock a listing?
The member's name, Trust Score, full repayment history and behaviour, previous support-amount range, completion rate, Verified Earner status, and who listed the position for sale — everything the Trust Score band summary leaves out.
Does unlocking one listing unlock others too?
No — a single-listing unlock only covers that one listing, permanently. If you want every listing unlocked at once, buy the all-listings pass instead; it covers everything for a limited number of hours rather than one listing forever.