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Emergency Fund

The back of the vault — your most protected money. Locked by default, funded automatically, and deliberately hard to touch.

Locked balance

of your three-month safety target

Auto-contribution

Projected completion

Times unlocked

Never touched — well done

Unlocking is deliberately hard

Emergencies are real — but so is the urge to raid this in a weak moment. This is the most protected money in ELPO. Unlocking it takes a written reason, a 6-digit 2FA code, and a full 24-hour cooling-off hold before a single naira moves.

Emergency unlock

Unlocking releases to your Wants bucket after a 24-hour hold. Your emergency progress resets to ₦0, and this action is permanently recorded in your security activity.

Reason for the emergency *

A real reason helps future-you understand this decision. Be honest.

Enter your 6-digit authentication code *

Sent to your authenticator app. This confirms it's really you.

Unlock pending — 24-hour hold

will land in your Wants bucket when the hold ends. Nothing has moved yet. Cancel any time before the timer runs out and your emergency fund stays fully locked and intact.

Funds available in

23:59:41

Emergency Fund

Emergency fund balance and target

Emergency unlock

Emergency unlock