Join millions of Nigerians accessing vehicle support, business funding, education benefits, healthcare support, retirement benefits, ICT empowerment, and more — all through a simple, affordable subscription.
Fully licensed by the CAC 
Real Integrated Benefits Scheme (RIBS) is a world-class, private-sector-driven welfare and empowerment platform designed to give every Nigerian access to essential social and financial benefits. Fully registered under the Corporate Affairs Commission (CAC), RIBS is not a lottery or quick-win scheme — it is a sustainable economic empowerment system accessible to all residents and visitors in Nigeria.
RIBS was created to provide real, long-term social security through vehicle support, education funding, business empowerment, healthcare assistance, retirement support, property ownership benefits, and more. Its mission is simple: to strengthen the economic “ribs” of every Nigerian.
Empowering students with financial assistance to pursue and complete their educational goals.
Providing timely financial relief for verified medical and surgical bills when health emergencies arise.
Supporting subscribers with funds to acquire land, housing, or essential property assets for long-term stability.
Offering interest-free loans and financial support to help entrepreneurs start, grow, and sustain their businesses.
Create your RIBS account
Pay ₦1,000 monthly or ₦6,000 biannual
Renewal determines your qualification
Choose any benefit you qualify for
Designed to Solve Real Nigerian Challenges
RIBS' strategic plan is focused on targeting the population of Nigerians ages 18-59 who are active seekers of the economic empowerment and social benefit products that RIBS offer.
This Benefit is targeted at deepening food security and creating job in the country by enabling subscribers who desires to engage in Agro-Allied business to Start-up.
Business Support Benefit: Subscribers who apply and fulfill the necessary conditions will benefit from funds that will be provided by RIBS to support their businesses.
Business Support Benefit: Subscribers… will benefit from funds that will be provided by RIBS to support their businesses and studies.
Retirement Benefit… he/she would be paid monthly with fifty percent (50%) of the monthly basic salary of the job he/she retired from, for twenty-four (24) months.
Hospital Bill Benefit: A Subscriber… shall be entitled to this benefit for any verifiable and established hospital surgery bill above two hundred and fifty thousand (₦250,000)…
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After retiring with a basic salary below ₦250,000, I enrolled in the RIBS Retirement Benefit plan. When I became eligible, I started receiving monthly payments that supplemented my pension. This support has helped me manage my medical bills and daily expenses with dignity.
RIBS came through for me when my business was struggling. I applied for the Business Support Benefit after one year of consistent subscription, and I received an interest-free loan that helped me buy more goods and expand my shop
As a university student, paying tuition was always a challenge. Through the RIBS Education Support Benefit, I received funding that covered my school fees and learning materials. It removed a huge burden from my family, and I can now focus on my studies. RIBS has given me hope and the confidence to continue my education without fear of dropping out.
