- An Investment Platform: e-Link is an investment platform approved by Central bank of Nigeria to conduct the repurchase agreement transaction. The regular eSuSu is consumption based. Cash put in is cash received. e-Link e-SuSu allows participants to build an investment portfolio with initial equity contributions invested in fixed income government securities which earn interest income and compensated investors for the time value of money. The equity contribution can be increased at the discretion of the group.
- An exchange of cash for securities: involves an exchange of cash at zero interest between members of the group. On e-Link eSuSu it is an exchange of cash from third party investors (i.e. banks) and the securities that belong to the eSuSu group at an interest rate (i.e. repurchase Other forms of esusu agreement transaction), with group members continually earning interest income on their investment in bonds.
- A securities lending platform: Other forms of esusu, members contribute cash into a common pot with one member receiving the cash at each contribution. On e-Link eSuSu members contribute cash to buy federal government securities (i.e. bonds) and lend the securities to a member that utilises the pool of securities to get cash from a third-party investor. The group may decide to charge/not charge an interest rate for lending securities. Either way members will still earn interest income from their equity investment in government bonds.
