Dual-Entity Structure

Member capital and management strictly separated

40/60 Allocation

40% distributed · 60% reinvested for compounding

2% Management Fee

Transparent fee sustaining governance & operations

12-Month Commitment

Stability over speed · Compounding over hype

This is not a savings scheme. This is capital infrastructure. Membership is selective — we review every application.

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Last Name

Email Address

Phone Number

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I confirm that I am between 18-35 years old and agree to the Terms of Membership and Privacy Policy

I understand that capital is committed for a minimum of 12 months, investments carry risk, and I agree to the Capital Commitment Terms

Applications reviewed within 7 days. Selected applicants will be notified via SMS/Whatsapp using provided Phone Numbers.

1. STRUCTURE AND LEGAL SEPARATION

1.1 Airvyb operates under a two-entity structure:

(A) Airvyb Capital Pool (ACP) — A pooled capital arrangement consisting solely of member contributions and any clearly designated proprietary capital contributed under this Agreement.

(B) Airvyb Management Ltd (AML) — A separate legal entity responsible for administration, governance, asset sourcing, reporting, compliance, and operational oversight.

1.2 The ACP and AML are distinct. Ownership, liabilities, and entitlements shall not be intermingled.

1.3 Members own proportional interests in ACP only. Members do not own equity in AML unless separately contracted.

2. MEMBERSHIP

2.1 Membership is subject to approval by AML.

2.2 Each member shall:

Pay a one-time membership fee of KES 100.
Make a capital contribution into ACP.

2.3 The membership fee is administrative and non-refundable.

3. CAPITAL CONTRIBUTIONS AND OWNERSHIP

3.1 All member contributions form part of ACP.

3.2 Ownership percentage is calculated as: Member Contribution ÷ Total ACP Capital

3.3 Ownership percentage determines:

Profit allocation
Reporting weight

3.4 Capital contributions are investment allocations and not deposits or guaranteed savings.

8. PROFIT AND DIVIDEND POLICY

8.1 Only realized profits (actual income received) qualify for distribution.

8.2 Unrealized gains are not distributable.

8.3 Realized profits shall be allocated:

40% distributed to members
60% retained for reinvestment

8.4 Distribution shall be proportional to ownership percentage.

8.5 Dividends shall be distributed quarterly unless otherwise determined.

9. MANAGEMENT FEE

9.1 AML shall receive an annual management fee equal to: 2% of total capital under management (ACP).

9.2 The management fee compensates AML for: Governance, Reporting, Deal sourcing, Infrastructure, Ambassador network management, Operational oversight.

9.3 The management fee is separate from member dividends.

10. LOCK-IN AND LIQUIDITY

10.1 Minimum capital commitment: 12 months.

10.2 Early exit is subject to: Liquidity availability, Asset structure, Administrative review.

10.3 ACP shall maintain a liquidity reserve target of 10–20% where feasible.

11. CAPITAL CONCENTRATION

11.1 No single member shall exceed 15% of total ACP capital without structured approval.

11.2 This policy protects structural stability.

12. RISK DISCLOSURE

12.1 Members acknowledge:

Investments involve risk.
Capital is not guaranteed.
Returns are not fixed.
Losses may occur.

12.2 Airvyb is not a deposit-taking institution.

13. FUND SEGREGATION

13.1 ACP funds shall be segregated from AML operational funds.

13.2 AML operational expenses shall not be paid directly from ACP capital except through the disclosed management fee mechanism.

13.3 No intermingling of funds is permitted.

14. TRANSPARENCY AND REPORTING

14.1 Quarterly reports shall include: Total capital under management, AML proprietary capital (if any), Realized profits, Retained earnings, Management fees, Distributable amounts.

14.2 Ownership percentages shall be disclosed.

15. AMENDMENTS

15.1 AML may amend administrative provisions where necessary.

15.2 Any material economic change affecting members shall require formal notification.

4. AML PROPRIETARY CAPITAL

4.1 AML may contribute its own proprietary capital into ACP.

4.2 Any such contribution shall:

Be clearly recorded.
Be treated as a standard capital contribution.
Earn returns strictly proportional to its ownership percentage.

4.3 AML shall not receive preferential return treatment unless explicitly approved and disclosed.

5. EXTERNAL INVESTMENT INTO AML

5.1 External investors may invest into AML by acquiring equity in AML.

5.2 Such investors:

Acquire ownership in AML only.
Have no ownership claim over ACP.
Have no direct entitlement to ACP assets or dividends.

5.3 Returns to AML investors shall derive solely from: AML profits (management fees, performance fees, etc.) — Not from member capital directly.

6. EXTERNAL CAPITAL INTO ACP

6.1 External capital may enter ACP under either of the following conditions:

(A) As Standard Member Capital — External investors join as members and are subject to: Same contribution rules, Same lock-in terms, Same proportional returns.

(B) As Designated Capital Class — AML may establish a separate capital class or pool with distinct reporting and allocation, provided: Full disclosure is made, Member rights in the primary pool are not diluted.

6.2 No external capital shall receive hidden preferential rights within ACP.

7. USE OF DEBT

7.1 AML may raise debt financing independently.

7.2 Debt obligations of AML shall not:

Automatically bind ACP.
Use ACP assets as collateral without explicit member disclosure and approval.

7.3 If AML deploys borrowed funds into ACP, such funds shall be: Classified as AML proprietary capital, Tracked separately, Entitled only to proportional returns.

DATA PROTECTION

Airvyb Management Ltd collects and processes personal data solely for membership administration, compliance, and reporting purposes. Member data is never sold or shared with third parties without explicit consent. All data is stored securely with access restricted to authorized personnel only.

COOKIES AND TRACKING

Our platform uses essential cookies to maintain session security and user preferences. No tracking cookies are used for marketing purposes without explicit consent.

DATA RETENTION

Member data is retained for the duration of membership and for a period of five years thereafter to comply with regulatory requirements. Members may request data deletion subject to legal obligations.

Capital, Structured.Not Emotional.