Trivest Books User Guide

Trivest Books has its own independent sign-in. A BTC Inc. session never grants 3vest access, and a Trivest session never exposes BTC Ledger tools.

• Enter your work email and we send a six-digit verification code — single-use and short-lived.
• Once your work Gmail address has been verified, Continue with Google is offered on later visits.
• Access is role-gated: only staff holding a permitted Trivest role can reach the /3vest workspace.
• If your role is removed or your account is set to Inactive, access ends immediately.

Trivest is a disciplined savings-to-credit pathway: save consistently for three months and unlock a facility of up to 3X your accumulated savings. Contributions build eligibility; a broken month resets the qualifying streak.

• Month 1–3: the member contributes on an agreed cycle (weekly or monthly).
• The system tracks a contribution streak — consecutive months with at least one contribution.
• Eligibility is measured on the balance held at the end of the third full qualifying month.
• Withdrawals reduce the qualifying balance and can reset the window.

The vault holds every contribution and payout for a member under their own TRV-SV-XXXXXX references, and the 3X Multiplier screen turns that history into a borrowing limit.

• Facility cap = 3 × the qualifying balance held at the end of month three.
• Example: a qualifying balance of ₦500,000.00 supports a facility of up to ₦1,500,000.00.
• Any outstanding Trivest facility is deducted from the available headroom.
• Members below three months see a progress bar and the number of months still to go.
• Issue the facility from the 3X Multiplier screen with the principal, rate and term.

• Member IDs are issued automatically as TRV-MB-XXXXXX and never re-used.
• Each member record carries their contribution history, streak and current facility status.
• Member registers can be exported for committee review.

Trivest keeps a fully segregated book. Savings entries carry their own TRV-SV-XXXXXX references and never mix with the BTC Ledger — separate sessions, separate reporting, separate balances.

• Record contributions as inflows and payouts or disbursements as outflows.
• The running sub-ledger balance is the pool available to the Trivest programme.
• Export any period to CSV or Excel for committee review.
• All amounts are stated in Naira with two decimals, e.g. ₦1,500,000.00.

• Join: register the member and log their first contribution.
• Grow: track streaks of on-time contributions across the qualifying window.
• Thrive: issue the 3X facility, then track repayment back into the pool.

• Sessions are isolated end to end — signing out of one book has no effect on the other.
• Trivest navigation never appears inside BTC Ledger menus, and the reverse is also true.
• Facility issuance and member changes are recorded with the acting user and timestamp.
• Row-level security means every read and write is scoped to your permitted role.