Digital Thrift is an innovation to the traditional contribution [esusu, ajo etc], fixed at N4000 per Thrift pack [T-Pack]. You may order multiple packs in your name but not more than 2 per day or as allowed. Every pack has a life span of 365 days [calculated at entry] and earns the added value of 2.5% per week or 130% [N5200] at maturity. However, the system may reward you earlier [cycle @ quorum1] for a total added value of about 225% or N9000 [N5000 cash + N4K PIE units] in days, weeks or months, as the case may be.