Members & Identity
Cooperator and investor profiles, member onboarding, beneficiaries, KYC and account management.
Citizen ICL Enterprise Software
Modern financial management for cooperative societies.
One integrated platform designed to support cooperative administration, member records, contributions, savings, investments, loans and responsible financial governance.
Designed for cooperative operations
- Cooperator and investor account management
- Contribution and savings administration
- Loan applications, approvals and repayments
- Investment products and dividend workflows
- Role-based governance and financial reporting
- Licensing and tenant-specific access
Enterprise platform capabilities
One platform. Every cooperative operation.
A unified financial and administrative environment designed for cooperative societies, with structured governance, member services and tenant-specific controls.
Contributions & Savings
Contribution ledgers, savings accounts, approvals, withdrawals and member statements.
Loan Management
Loan products, applications, guarantors, agreement acceptance, authorization, disbursement and repayment records.
Investments & Dividends
Investment products, subscriptions, payment tracking, maturity workflows and dividend management.
Governance & Security
Officer roles, independent approvals, authentication, authorization, transaction PINs and audit controls.
Communication & Support
Private messaging, cooperative notices, notifications, help documentation and support tickets.
Reports & Statements
Financial records, cooperative reporting, downloadable statements and traceable operational records.
Licensing & Tenant Isolation
Dedicated cooperative environments, Web and Enterprise API licensing, membership capacity and domain controls.
Backup & Continuity
Tenant-specific backup architecture, restoration safeguards and centrally monitored recovery controls.
One complete CFMS platform. Core functionality is included across all eight licence packages. Individual workflows depend on deployment configuration, validation and authorization.
Explore licence packagesEnterprise subscription packages
Choose your CFMS licence.
Choose the membership capacity and deployment model that fit your cooperative. All eight plans include the full CFMS core functionality. Annual fees are shown in Nigerian naira.
Hosted on a dedicated cooperative-name.cfms.citizenicl.com subdomain. Cooperative branding is primary, with Citizen ICL identity retained in the sidebar.
WEB LICENCE
CFMS Essential
₦500,000 / year
Up to 100 members
- Complete CFMS frontend and backend
- Dedicated cooperative subdomain
- Cooperative logo + Citizen ICL sidebar
- 30-day trial option, subject to eligibility
WEB LICENCE
CFMS Growth
₦850,000 / year
Up to 250 members
- Complete CFMS frontend and backend
- Dedicated cooperative subdomain
- Cooperative logo + Citizen ICL sidebar
- 30-day trial option, subject to eligibility
WEB LICENCE
CFMS Professional
₦1,300,000 / year
Up to 500 members
- Complete CFMS frontend and backend
- Dedicated cooperative subdomain
- Cooperative logo + Citizen ICL sidebar
- 30-day trial option, subject to eligibility
WEB LICENCE
CFMS Enterprise Unlimited
₦1,750,000 / year
Unlimited members
- Complete CFMS frontend and backend
- Dedicated cooperative subdomain
- Cooperative logo + Citizen ICL sidebar
- 30-day trial option, subject to eligibility
Hosted on the cooperative's verified private domain with API integration rights and no Citizen ICL logo on tenant pages, receipts, statements or reports.
ENTERPRISE API LICENCE
CFMS Essential
₦490,000 / year
Up to 100 members
- Complete CFMS frontend and backend
- Verified cooperative-owned domain
- Exclusive cooperative branding and API access
- 30-day trial option, subject to eligibility
ENTERPRISE API LICENCE
CFMS Growth
₦840,000 / year
Up to 250 members
- Complete CFMS frontend and backend
- Verified cooperative-owned domain
- Exclusive cooperative branding and API access
- 30-day trial option, subject to eligibility
ENTERPRISE API LICENCE
CFMS Professional
₦1,290,000 / year
Up to 500 members
- Complete CFMS frontend and backend
- Verified cooperative-owned domain
- Exclusive cooperative branding and API access
- 30-day trial option, subject to eligibility
ENTERPRISE API LICENCE
CFMS Enterprise Unlimited
₦1,740,000 / year
Unlimited members
- Complete CFMS frontend and backend
- Verified cooperative-owned domain
- Exclusive cooperative branding and API access
- 30-day trial option, subject to eligibility
Registration status: Subscribe Now and Start 30-Day Trial open the online cooperative application form. Applications are recorded for review; no payments are collected, accounts provisioned or trials activated at submission. Payment verification and provisioning will follow in later releases. Trial access is limited to 30 days, subject to eligibility checks and approval. Published prices are subject to confirmation by Citizen ICL.
Cooperative onboarding
Register your cooperative for CFMS.
Cooperatives may request a Web Licence or Enterprise API Licence, including trial consideration. Following approval and provisioning, the cooperative receives its own dedicated application URL. Member registration, login, account recovery and dashboards are available through that cooperative-specific URL—not through this public product website.
1. Cooperative application
Submit your cooperative details and preferred licence type for review.
2. Approval and provisioning
Once approved, the cooperative is provisioned with its assigned Web Licence subdomain or verified private domain.
3. Dedicated cooperative portal
Officers and members use the cooperative's own URL for registration, authentication and daily operations.
Choose one of the eight licence packages above and submit the online cooperative licence application. Applications are reviewed before payment, trial activation or provisioning.
Start cooperative registrationPublic demonstration