🚨 Emergency Savings
🚨 Emergency Fund — Short Term
Liquid savings — withdraw anytime, no penalty. Instant access emergency fund.
Rate = 4-week T-Bill + 0.5% AFRO
—%
APY
Instant Access
No Penalty Withdrawal
FDIC Equivalent
🔒 Emergency Fund — Long Term
52-week locked emergency reserve. Higher yield — 2% early withdrawal penalty.
Rate = 52-week T-Bill + 0.5% AFRO
—%
APY
52 Weeks
2% Early Penalty
⏱ AFRO Bills Under 1 Year · US T-Bill Terms
⏱ AFRO Bills
Short-term securities. Same terms as US Treasury Bills — 4, 8, 13, 17, 26, 52 weeks.
Rate = Matching T-Bill Rate + 0.5% AFRO
—%
APY range
4 Week
8 Week
13 Week
17 Week
26 Week
52 Week
📝 AFRO Notes 2–10 Years · US T-Note Terms
📝 AFRO Notes
Medium-term securities. Same terms as US Treasury Notes — 2, 3, 5, 7, 10 years.
Rate = Matching T-Note Rate + 0.75% AFRO
—%
APY range
2 Year
3 Year
5 Year
7 Year
10 Year
📜 AFRO Bonds 20–30 Years · US T-Bond Terms
📜 AFRO Bonds
Long-term securities. Same terms as US Treasury Bonds — 20 and 30 years.
Rate = Matching T-Bond Rate + 1% AFRO
—%
APY range
20 Year
30 Year
🏛 AFRO Treasury US-Backed + AFRO Guarantee
🏛 AFRO Treasury
Composite US Treasury-backed instrument with AFRO guarantee layer. 12, 24, 36 month terms.
Rate = Composite Treasury + 0.75% AFRO
—%
APY range
12 Month
24 Month
36 Month
🏅 AFRO Wealth Metals Monthly Cash Distributions — Guaranteed Floor
🥇 Physical Gold — You Take Delivery
You own physical gold — delivered to you. Dividends accumulate while you hold.
When you sell — you receive current AFRO WEALTH Gold Price plus all accumulated dividends.
🥇 AFRO Gold WEALTH Reserve — Physical
Take physical delivery of your gold. 3% annual dividend accumulates while you hold — paid out when you sell along with full WEALTH Gold Price appreciation.
Dividends accumulate · At sale: WEALTH Gold Price + all accumulated dividends
3%
Annual Div.
Physical Delivery
3% Accumulates
WEALTH Gold Price at Sale
🥈 AFRO Silver WEALTH Reserve — Physical
Take physical delivery of your silver. 2% annual dividend accumulates while you hold — paid out when you sell along with full WEALTH Silver Price appreciation.
Dividends accumulate · At sale: WEALTH Silver Price + all accumulated dividends
2%
Annual Div.
Physical Delivery
2% Accumulates
WEALTH Silver Price at Sale
🥉 AFRO Copper WEALTH Reserve — Physical
Take physical delivery of your copper. 2% annual dividend accumulates while you hold — paid out when you sell along with full WEALTH Copper Price appreciation.
Dividends accumulate · At sale: WEALTH Copper Price + all accumulated dividends
2%
Annual Div.
Physical Delivery
2% Accumulates
WEALTH Copper Price at Sale
🏛 Vault Gold — Gold Stays in AFRO Vault
Your gold stays in the AFRO Vault — never leaves. You receive monthly dividend payments
directly to your AFRO Dollar account. When you are ready to sell — three instant channels:
1️⃣ Redeem to AFRO Account — AFRO Dollar buys your vault gold instantly — credited to your PayAFRO wallet in AFRO dollars
2️⃣ Sell to AFRO Member — sell directly to another AFRO Dollar Money member at WEALTH Gold Price — instant
3️⃣ Sell to Chicago Wealth Metals Exchange — sell to the exchange at market price — instant
🏛 AFRO Vault Gold — Gold
Gold stays in AFRO Vault. Monthly dividends paid to your AFRO account. Sell anytime — redeem to AFRO account, sell to an AFRO member, or sell to Chicago Wealth Metals Exchange.
3% annual dividend — paid monthly to AFRO account · 3 instant sell channels
3%
Paid Monthly
Vault Stored
Monthly Dividends to Account
3 Sell Channels
Instant Liquidity
🏛 AFRO Vault Silver
Silver stays in AFRO Vault. Monthly dividends paid to your AFRO account. Sell anytime — redeem to AFRO account, sell to an AFRO member, or sell to Chicago Wealth Metals Exchange.
2% annual dividend — paid monthly to AFRO account · 3 instant sell channels
2%
Paid Monthly
Vault Stored
Monthly Dividends to Account
3 Sell Channels
Instant Liquidity
🏛 AFRO Vault Copper
Copper stays in AFRO Vault. Monthly dividends paid to your AFRO account. Sell anytime — redeem to AFRO account, sell to an AFRO member, or sell to Chicago Wealth Metals Exchange.
2% annual dividend — paid monthly to AFRO account · 3 instant sell channels
2%
Paid Monthly
Vault Stored
Monthly Dividends to Account
3 Sell Channels
Instant Liquidity
💰 AFRO CD Certificate of Deposit
💰 AFRO CD
Certificate of Deposit. Fixed rate, fixed term. 6, 12, 18, 24, 36, 48, 60 month terms.
Rate = 3-Month T-Bill + 1% AFRO
—%
APY range
6 Mo
12 Mo
18 Mo
24 Mo
36 Mo
48 Mo
60 Mo