Key Services & Platforms
R-Trust Fund
The R-Trust Fund is the heart of our cooperative finance system. It’s a reward-based crowdfunding and matrix system that enables members to grow wealth through teamwork, trust, and active participation. With a small activation amount, members begin earning almost immediately through direct and indirect support systems. It’s also a pathway to interest-free loans, project funding, and long-term wealth accumulation—making it one of the most innovative grassroots funding tools in Africa.
Reap Cooperative
Our savings and lending arm allows members to save daily, weekly, or monthly and become eligible for instant, interest-free loans based on their trust score, savings history, and participation in the Trusted Partners Network. This system promotes discipline and accountability while ensuring that members can meet urgent needs without falling into debt traps. Members who consistently save are prioritized for support and empowerment programs.
Reap Trade
This is our online and offline cooperative marketplace where members can buy and sell products and services. Managed by trusted fund managers, Reap Trade provides an ecosystem where members can trade securely within the community, ensuring circulation of wealth and protection from fraud.
Reap Agrovest
Our AgriTech investment platform allows both small and large investors to fund farm projects and earn passive income. From cooperative farms to individual farmers, funds are used to boost productivity and food availability. Profits are shared based on transparent agreements, and investors can track projects in real time.
Reap Assurance
Reap Assurance is our in-house food and farming insurance solution. It protects both farmers and consumers from uncertainties in agriculture and food supply chains. It includes crop protection, animal insurance, personal food security plans, and cooperative emergency relief.
Farmers & Agri-Business Network
This network combines both physical farmers and digital/remote agribusiness investors. We provide access to farm inputs, funding, technical support, and mechanization. Our system supports crop farming, animal husbandry, fishery, and agro-processing, while linking farmers to guaranteed buyers and export markets. Whether you farm on-ground or invest remotely, RAF UNION empowers you to profit from agriculture.
Freelancers & Digital Skills Support
We help members earn online through high-income digital skills such as freelancing, affiliate marketing, PTC (paid-to-click), information marketing, and e-commerce. Our platforms provide access to tools, mentorship, digital products, training videos, and freelance marketplaces. This makes RAF UNION an ideal launchpad for anyone seeking to make money online without huge capital.
Consumer Support Programs
Every RAF UNION member automatically joins the Consumer Network, which focuses on food access, household essentials, and lifestyle sustainability. We bulk-buy quality goods to reduce costs, offer discounted prices, and reward members with cashback, points, and cooperative bonuses. Members also enjoy access to subsidized food packages, monthly food banks, and family nutrition schemes.
Production & Green Energy Initiatives
We support both agro and non-agro producers—from cassava processors and meat packers to solar panel fabricators and artisans. Our Producers Network is committed to reducing post-harvest losses, increasing local manufacturing, promoting green energy, and building processing hubs that empower the community with jobs and export-ready products.
Marketers Network
This is where business meets empowerment. RAF UNION equips local traders, market women, network marketers, affiliate marketers, and commission-based salespeople with products, platforms, and training. Members earn by referring, promoting, or selling goods and services while getting recognized and rewarded through various ranking systems and incentives.
Cooperative Banking & Soft Loans
Aside from loans through R-Trust and Reap Cooperative, members can access cooperative banking services like savings wallets, fixed deposits, low-interest business loans, and team-based credit. Members with good saving culture and trusted referrals can unlock even bigger financial opportunities.
Training & Leadership Development
We organize bootcamps, digital masterclasses, skill-building workshops, and cooperative leadership training to build capacity within our community. Members are encouraged to grow into community leaders, mentors, and change-makers.
Digital Platforms & Member Tools
We provide easy-to-use dashboards, apps, online support systems, referral tracking, educational content, and communication hubs. These tools help members manage their activities, monitor progress, and stay informed.
Youth & Women Empowerment Programs
We organize bootcamps, digital masterclasses, skill-building workshops, and cooperative leadership training to build capacity within our community. Members are encouraged to grow into community leaders, mentors, and change-makers.
Junior Empowerment Plan (JEP)
The Junior Empowerment Plan (JEP) is RAF UNION’s dedicated initiative for children and teens aged 1 to 17. It operates through a structured trust fund matrix similar to the R-Trust Fund but tailored specifically for junior members. With a small activation by a parent or guardian, juniors begin earning both cash and non-cash rewards, including school support, educational materials, skill training, and development grants. JEP promotes early financial literacy, teamwork, and cooperative values—empowering the next generation to build wealth, develop leadership, and contribute meaningfully to their communities from an early age.
Special Cooperative Projects
RAF UNION also runs special projects like food banks, village empowerment schemes, digital farms, rent-to-own housing, and solar-for-all campaigns. These initiatives are aimed at uplifting entire communities and reducing dependence on external aid. Together, these platforms form a powerful cooperative ecosystem where no one is left behind. Whether you are a farmer, freelancer, trader, producer, or marketer, there is a place and a platform for you to grow, give back, and succeed within RAF UNION.
Reap Academy
Our learning platform offers structured courses in business, agriculture, freelancing, IT, and cooperative development. This helps members not only earn but grow in knowledge and impact.
