ONE INVESTMENT. 50+ BUSINESSES. DIVERSIFIED RISK.

Campaign Basket spreads a single investment across 50+ eligible campaigns automatically, so no single business decides your outcome. You keep a 48-hour say on every one of them.

50+ Eligible campaigns per basket

48h To opt out of any campaign

0৳ Extra management fee

60% Protection Pool coverage

The problem

Back one campaign, and your whole outcome rides on one business

Same investor, same ৳100,000, two very different experiences depending only on how concentrated that money was.

Scenario A The business performs well

৳100,000 invested in one campaign
Repaid on time, with profit
Investor feels good about investing

Scenario B

The same business delays

The full ৳100,000 is stuck in one place
There's no other campaign to soften it
One business now defines the whole experience

What professionals do

Nobody who manages money for a living bets it all on one name

Campaign Basket spreads a single investment across 50+ eligible campaigns automatically, so no single business decides your outcome. You keep a 48-hour say on every one of them.

Bank

Never lend their whole reserve to one customer.

Mutual Fund

Never hold a single stock as the entire fund.

Private Equity

Never back just one company per fund.

The Solution

Introducing Campaign Basket

Invest once. The Basket spreads your money across 50+ eligible campaigns and builds the diversified portfolio for you while you keep a say on every business it enters.

1. You invest in a Basket A single investment, a single decision.

2. The Basket deploys Funds are allocated across 50+ eligible campaigns over time.

3. Campaigns generate returns Each campaign performs and repays independently.

4. Returns are distributed Fairly, based on your actual participation.

An example

One investor, ৳100,000, and exactly what the Basket does with it

An illustrative walk-through - the actual number and mix of campaigns in your basket will differ.

48h notice, every time

Before Campaign C was funded, the investor reviewed it and opted out. That ৳20,000 allocation never left their balance in the first place.

Risk management

Every basket is built to a target risk mix, not filled at random

A deliberate balance

Exposure is spread across risk grades so no single category dominates the Basket.

Guideline-driven selection

Campaigns are chosen against predefined diversification and risk allocation guidelines.

Actively managed

The exact mix is set by the investment team based on availability and portfolio objectives.

Control

You are not giving up control

"If the Basket chooses the campaigns, do I lose all control?" No. Before the Basket invests in any campaign, you get a 48-hour window to opt out of that specific one. Skip it, and everyone else continues normally.

Your money comes back

The amount allocated to that campaign returns to your ready balance right away.

No loss from it

You also carry none of its downside if it underperforms.

No profit from it

You don't earn returns from a campaign you chose to skip.

How returns are calculated

One transparent rule, applied identically to profit and to loss

An illustrative walk-through - the actual number and mix of campaigns in your basket will differ.

How Much The amount you actually had invested.

How Long How long that money remained invested.

How it Performed The performance of each campaign you joined.

৳ × time

Your share of any campaign is driven by how much you invested and how long it stayed invested. So distribution stays proportionate and fair among all Basket members. No estimates, no negotiation.

If a campaign is delayed

One late campaign doesn't hold the rest hostage

Resolved campaigns pay out first

You're not made to wait for the slowest campaign in the Basket.

Delayed campaigns run separately

They move into biniyog.io's usual recovery process and settle once resolved.

Risk mitigation

The Protection Pool: a cushion, not a guarantee

Some campaigns may qualify for support from the Protection Pool if they default. Where it applies, it may help recover part of the outstanding amount after a waiting period.

60% of unrecovered principal

Eligibility kicks in 6 months after a campaign's last repayment date. A small Protection Pool contribution (1–1.5% of the investment amount) is deducted before each allocation to fund this. Principal remains at risk. The protection pool mitigates loss, it does not eliminate it.

Transparent fees

Diversification shouldn't cost you extra

No management fee

You're not charged a fee for the Basket wrapper itself.

No hidden spread

Nothing is quietly deducted between the campaign and you.

Members' discount

The existing success fee structure applies, with a members' discount where applicable.

Who is this for

Campaign Basket complements self-select investing, it doesn't replace it

Choose Campaign Basket if you-

Want diversification without the workload
Prefer simplicity over selection
Don't want to choose every campaign manually
Want exposure to many businesses at once

Stay with direct campaigns if you-

Prefer selecting each campaign yourself
Want full control over every allocation
Enjoy building your own portfolio
Are comfortable monitoring each deadline

Most investors will use both — a diversified core through the Basket, plus the campaigns they personally believe in, invested directly.

Important things to know

We'd rather set expectations honestly than oversell

Campaign Basket is an investment product, it is not a savings product.
Returns are not guaranteed; they depend on how the underlying campaigns perform.
Diversification reduces concentration risk. It does not eliminate investment risk.
If a campaign defaults, participating members may share that loss proportionately.
Your principal is not guaranteed and remains at risk.