User Guide
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EsusuOnline Complete User Guide

Everything you need to save confidently, participate fairly, grow your trust, and recover when things go wrong — organised into 8 chapters, from first login to expert membership.

12 Guides 8 Chapters 60+ Topics Step-by-Step Deep-Linked
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Chapter 1 — Getting Started

Your first hours on EsusuOnline. Registration, identity, wallet, and your first savings circle — in one complete guide.

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Get Started Without Mistakes

Walk through your first days step-by-step — from creating your account to receiving your first payout.

⏱ ~15 min read · Complete walkthrough
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Chapter 2 — Identity & Security

Verify your identity, secure sign-in with 2FA, and manage password recovery or password changes without losing access.

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KYC Verification Guide

Complete identity verification in 4 steps to unlock all savings circles and earn your +50 trust points.

🔓 Unlocks full platform access
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Two-Factor Authentication Setup

Lock your account against unauthorised access with an authenticator app, SMS, email OTP, or passkey.

🔑 Recommended: Authenticator App
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Password Recovery & Change Guide

Recover a forgotten password safely, create a stronger replacement, or change your password from inside your account settings.

📩 Recovery + ⚙️ Change flow
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Chapter 3 — Your Wallet

Fund your wallet, understand available vs locked balance, and keep it ready before every contribution due date.

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Fund Your Wallet — Visual Guide

Add money to your EsusuOnline wallet using bank transfer or card, confirm payment, and track history.

💰 NGN & USD wallets supported
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Chapter 4 — Savings Circles (Slots)

Create your own savings circle or join someone else's. Pay contributions on time to earn your payout when your round arrives.

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Join or Create a Slot — Visual Guide

Set up a savings circle as an owner or accept an invitation as a member. Covers full lifecycle.

👑 Owner + 👤 Member perspectives
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Make Contributions — Visual Guide

How to pay your round contribution, what happens at each deadline stage, and how the system tracks you.

⏱ Grace period 3 days · Default at 7+
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Chapter 5 — Trust, Rewards & Growth

Understand your trust score, how to climb from Tin to Platinum, and use referrals and peer ratings to accelerate your status.

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Trust Tier Explained

The 6-tier trust ladder, what each tier unlocks, and exactly how to move up — or how you fall down.

6 tiers: Tin → Copper → Bronze → Silver → Gold → Platinum
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User Reward System — Simply Explained

Full breakdown of how trust points are earned from system events, peer ratings, and referrals.

+5 on-time · −10 late · −50 default · +10 dispute win
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Platform Growth Guide

Your long-game playbook: milestone roadmap, referral rewards, early adopter benefits, and habits that make you a platform leader.

🚀 Built for ambitious members
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Chapter 6 — Financial Safety

The rules that govern your money: contribution amounts, wallet locks, late fees, default consequences, and how to dispute errors.

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Financial Safety & Risk Guide

How fees work, why your balance can be partially locked, what default does to you and everyone in your circle — and how to stay safe.

⚠️ Read before joining your first circle
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Chapter 7 — Support & Recovery

When things go wrong: missed payments, failed payouts, KYC rejection, disputes, account security, and escalation paths.

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Support & Recovery Guide

Calm, step-by-step recovery for every common crisis — so you know exactly what to do, who to contact, and what to expect.

🤖 EsusuBot · 🎫 Tickets · ⚖️ Disputes
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Disputes Guide

When and how to raise a dispute — evidence you need, step-by-step submission, status tracking, and trust score impact for every outcome.

📋 Track at esusuonline.org/disputes
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Chapter 8 — Admin Reference

For platform administrators: configure trust tier thresholds, manage the tier matrix, and understand validation rules.

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Trust Tier Config — Admin Guide

Visual walkthrough for configuring trust tier thresholds, slot limits, and fee rules in the admin panel.

🔑 Admin access required