Best Savings Apps in Nigeria 2026: PiggyVest vs Cowrywise vs Kuda and 6 Others — Honest Comparison

 

Let us be honest about something that most Nigerians have quietly made peace with: a savings account at a traditional Nigerian bank is not really saving. It is barely preserving. With inflation running north of 25% annually and a standard bank savings account offering 8–12% interest per annum, the purchasing power of every naira sitting in a regular savings account is declining — quietly, invisibly, but consistently — every single month.

This is why Nigeria’s savings app revolution matters. Over the past eight years, a generation of fintech companies — PiggyVest, Cowrywise, Kuda, Renmoney, FairMoney, OPay, and others — has fundamentally changed what it means to save money in Nigeria. These platforms offer interest rates that make traditional bank savings accounts look embarrassing: 13%, 17%, 18%, 22%, and in some locked plans, up to 28% per annum. They automate savings so you cannot spend what you meant to set aside. They create structures — locked plans, goal trackers, group savings circles — that work with human psychology rather than against it. And they do all of this from your smartphone, without a queue, a branch visit, or a form to fill in triplicate.

But here is the problem: there are now so many savings apps in Nigeria, with so many different plans, interest rates, features, and fine print, that choosing the right one has itself become a research project. PiggyVest or Cowrywise? Kuda or OPay? Renmoney for high rates or FairMoney for flexibility? What about Trove, Bamboo, or the newer players entering the market?

This guide does the research for you. We have evaluated every major Nigerian savings app on the market in 2026 — their interest rates, features, flexibility, security, regulatory status, and real user experiences — so you can make an informed choice that actually fits your financial life. Not someone else’s. Yours.

Part 1: Why Savings Apps Beat Traditional Banks in Nigeria

Before diving into individual apps, it is worth understanding why fintech savings platforms can offer significantly higher interest rates than traditional Nigerian banks — because understanding this helps you make smarter decisions about which platforms to trust and which features to prioritise.

Traditional banks in Nigeria operate enormous physical branch networks, employ hundreds of thousands of staff, carry legacy IT infrastructure costs, and are subject to heavy regulatory capital requirements. Their cost of operations is vast. To cover those costs and still generate profit, they pay depositors the minimum they can get away with — typically 8–12% — while charging borrowers 25–35% or more on loans. The spread between what they pay you and what they charge borrowers is how they make money.

Savings apps operate with a fraction of those costs. No branches. Lean teams. Modern tech infrastructure. They invest your savings in high-yield instruments — money market funds, commercial papers, fixed deposits with banks, and government securities — that generate returns significantly above what a standard savings account pays. They pass a portion of those returns to you as interest, keep a margin for operations and profit, and still leave you with a better rate than any bank branch window can offer.

The result: by moving even a portion of your savings from a traditional bank account to a regulated savings app, you can increase your annual interest income by two to three times with minimal additional effort or risk — provided you choose a CBN-regulated or SEC-registered platform.

Platform Type	Typical Interest Rate	Flexibility	Minimum
Traditional bank savings account	8–12% p.a.	Fully flexible	No minimum
Bank fixed deposit (90 days)	12–18% p.a.	Locked until maturity	₦100,000+
Savings app — flexible plan	13–18% p.a.	Daily or limited withdrawals	₦100–₦1,000
Savings app — locked plan (90–365 days)	18–28% p.a.	Locked — penalties for early withdrawal	₦1,000–₦5,000
Money market fund (via savings app)	18–22% p.a.	Semi-flexible (2–5 day redemption)	₦1,000

Part 2: Quick Comparison — All Apps at a Glance

App	Best Rate (Locked)	Flexible Rate	Minimum	Best For	Regulated By
PiggyVest	Up to 22% (SafeLock)	8% (Flex)	₦100	All-round: save + invest	CBN / SEC
Cowrywise	Up to 15% (fixed plans)	13.27% (emergency)	₦100	Planning + investing	SEC
Kuda	15% (Kuda Save)	Daily accrual	No minimum	Digital banking + saving	CBN (microfinance bank)
Renmoney (RenVault)	Up to 28% (locked)	Up to 17% (RenFlex)	₦1,000	Maximum returns on locked funds	CBN (microfinance bank)
FairMoney (FairLock)	Up to 28% (locked)	Up to 18% (FairSave)	₦100	High yield + flexibility	CBN (microfinance bank)
OPay (Owealth)	Varies	Daily accrual	₦1	Everyday users; large user base	CBN
Risevest	Dollar-denominated	Dollar-denominated	$10	Dollar savers; naira depreciation hedge	SEC
Carbon	Varies	Daily accrual	No minimum	Loans + savings in one app	CBN

Part 3: PiggyVest — The Pioneer With Every Feature You Need

PiggyVest was Nigeria’s first dedicated savings app, launched on January 7, 2016 as Piggybank.ng before rebranding to PiggyVest in 2019 to reflect its expanded investment features. With over 4 million users — the largest user base of any dedicated savings app in Nigeria — PiggyVest has defined what Nigerians expect from a fintech savings platform. Its core appeal is breadth: no matter what your savings personality or financial goal, PiggyVest almost certainly has a plan that fits it.

PiggyVest’s Core Savings Plans

PiggyFlex (formerly PiggyBank): The flagship plan — automated savings on a schedule you choose (daily, weekly, or monthly), earning up to 18% per annum. The catch: you can only withdraw from your Flex account four times per year on designated quarterly “free days” (March 31, June 30, September 30, December 31). Any emergency withdrawal outside these windows attracts a penalty fee. This structure is the core of PiggyVest’s philosophy: make saving easy and spending difficult. For many Nigerians, this enforced discipline is exactly what they need.

SafeLock: PiggyVest’s premium locked savings product — you choose an amount, lock it for a period ranging from 10 days to 1,000 days, and earn up to 22% per annum, paid upfront at the point of locking. Once locked, the funds are completely inaccessible until maturity. No exceptions. No penalties because there is no early withdrawal option at all. SafeLock is for savers who want the highest available returns on PiggyVest and have identified funds they genuinely will not need for the chosen period.

Target Savings: Goal-oriented savings with a specific target amount and deadline — saving for a car, rent, school fees, a holiday, a business launch. You earn up to 12% per annum and can save individually or invite others into a group savings plan (like a digital ajo/esusu). The social savings feature is particularly popular for groups of friends or colleagues saving towards a shared goal.

Flex Dollar: Dollar-denominated savings for Nigerians who want to protect a portion of their savings against naira depreciation. You save in US dollars and earn dollar interest — a meaningful feature in the current macroeconomic environment where naira volatility remains a significant concern for middle-class savers.

Investify: PiggyVest’s investment marketplace — vetted investment opportunities in agriculture, real estate, commercial papers, and transportation, starting from as little as ₦1,000. Returns vary significantly by opportunity and carry higher risk than the core savings products. Approach with appropriate research and risk awareness.

What Users Say About PiggyVest

PiggyVest’s user reviews are overwhelmingly positive, with users consistently praising the discipline it enforces, the clean and intuitive interface, the reliability of quarterly payouts, and the customer service responsiveness. Common criticisms include the inflexibility of withdrawal windows — some users find the four-times-per-year withdrawal restriction too restrictive for genuine emergencies, and the penalty fees on emergency withdrawals (2% of amount withdrawn) can sting. Occasional app downtime during high-traffic periods (particularly around quarterly withdrawal dates) has been reported, though the frequency has reduced as the platform’s infrastructure has matured.

Best for: Nigerians who struggle with spending money they see in their account and want automated, enforced savings discipline. The four-times-per-year withdrawal window is a feature, not a bug — it is specifically designed to stop you spending what you intended to save.

Part 4: Cowrywise — The Planner’s Favourite

Where PiggyVest wins on breadth and user scale, Cowrywise wins on depth, structure, and the quality of its financial education resources. Founded in 2017, Cowrywise has grown to hold over ₦35 billion in savings for Nigerians — a figure that reflects the deep trust its user base places in the platform. It appeals most strongly to analytically minded savers who want to understand exactly how their money is growing and have tools to plan thoughtfully towards specific financial goals.

Cowrywise’s Core Savings and Investment Plans

Regular Savings / Life Goals: Goal-oriented savings with a minimum lock-in period of 3 months, earning varying interest rates depending on the specific goal plan. Emergency Fund savings earn 13.27% per annum; House Rent, Study, and Car plan savings earn 13.85% per annum. The interest is tied to underlying money market fund performance, which means rates fluctuate with market conditions — the rate calculator on the platform lets you project your returns before committing.

Stash: Cowrywise’s flexible savings wallet — more accessible than the locked plans, allowing withdrawals at any time. Interest rates are lower as a result, but the liquidity is higher. Good for emergency fund components that may genuinely need to be accessed at short notice.

Money Duo: A joint savings plan for couples — both partners contribute to a shared savings goal. This social savings dimension — building financial goals together — is unique in the Nigerian savings app market and has been well-received by users who are planning major financial milestones with a partner.

Savings Circles (Football and Basketball): One of the more creative fintech products in the Nigerian market — savings plans triggered by real-life sporting events. The Football Circle saves money automatically every time a team you specify scores a goal; the Basketball Circle saves when your team scores. Average interest rate on these plans is 13.27%. These are primarily engagement and habit-formation tools rather than optimum return vehicles, but they are genuinely innovative.

Mutual Fund Investments: Cowrywise allows investment in SEC-registered mutual funds — money market funds, equity funds, and fixed income funds — directly from the app. This makes Cowrywise one of the most accessible routes to mutual fund investing for retail Nigerians, and distinguishes it from pure savings apps by offering a genuine investment pathway alongside the savings products.

Halal Savings Mode: A feature unique in the Nigerian fintech savings space — a savings mode designed for Muslim users who do not subscribe to receiving interest. In Halal mode, returns are structured as profit-sharing rather than interest, making the platform accessible to observant Muslims whose faith precludes conventional interest-bearing financial products.

NGX Stocks: Cowrywise also allows investment in NGX-listed stocks, operating as a digital sub-broker through Meristem Securities. This single-app access to savings, mutual funds, and equities makes Cowrywise Nigeria’s most comprehensive retail financial platform for those who want a one-stop financial management experience.

Best for: Structured financial planners, couples saving together, Muslim savers, young professionals who want savings and investments in one clean platform, users who value financial education and planning tools over maximum flexibility.

Part 5: Kuda Bank — The Bank of the Free

Kuda Bank occupies a different position in the savings app landscape from PiggyVest and Cowrywise — it is not primarily a savings app but a full digital microfinance bank that offers banking and savings in one platform. Known as the “Bank of the Free” for its zero-fee banking model (no account maintenance fees, 25 free transfers per month), Kuda has built a substantial user base among young, mobile-first Nigerians who want a digital primary bank account with meaningful savings features attached.

Kuda’s savings proposition centres on two features. The Spend+Save feature automatically rounds up every transaction or saves a percentage of every debit — micro-savings that accumulate without conscious effort. The Kuda Save (previously called Pocket) plan locks money at a fixed rate (currently up to 15% per annum) for a defined period with no early withdrawal. Both mechanisms are psychologically clever: they make saving automatic rather than wilful, exploiting the “pay yourself first” principle that financial planners consistently identify as the single most effective savings behaviour.

Kuda’s most significant competitive advantage is its CBN microfinance bank licence and NDIC insurance — funds held with Kuda are insured by the Nigeria Deposit Insurance Corporation up to ₦2 million per depositor, providing a level of institutional protection that not all savings apps can claim. For Nigerians who are uncomfortable keeping significant sums on fintech platforms without NDIC backing, Kuda’s banking structure provides meaningful reassurance.

Best for: Nigerians who want a full digital bank account with built-in savings automation; those prioritising NDIC insurance and CBN direct regulation; young people transitioning from traditional banks who want modern banking features plus better-than-bank savings rates.

Part 6: Renmoney — The Highest Fixed Rates in the Market

If your primary criterion for choosing a savings app is the highest possible interest rate on locked funds, Renmoney consistently leads the pack. Originally Nigeria’s largest digital consumer lender, Renmoney has evolved into a full microfinance bank offering savings products with some of the most competitive rates available on any regulated Nigerian fintech platform.

RenVault is Renmoney’s flagship locked savings product — deposit funds for a fixed period (ranging from 30 days to 12 months) and earn up to 28% per annum, with the option to receive your interest either upfront at the point of deposit or at maturity. For a saver with ₦500,000 to lock for 12 months, that represents a return of up to ₦140,000 — significantly above what any traditional bank fixed deposit would offer on the same amount.

RenFlex is the flexible option — withdraw at any time with no penalties while still earning up to 17% per annum with daily interest accrual. This is a remarkable combination: the flexibility of a savings account with a rate that competes with many fixed deposit products. For emergency fund money that must be accessible but should still work hard while sitting idle, RenFlex is one of the most compelling options in the Nigerian market.

Renmoney’s NDIC insurance coverage — a direct consequence of its full microfinance bank status — makes it one of the more institutionally secure options for significant savings balances. Starting from just ₦1,000, it is accessible to savers at every income level.

Best for: Return-maximising savers; those with identified funds they can lock for defined periods; emergency fund holders who want maximum flexibility with minimum interest rate sacrifice.

Part 7: FairMoney — Flexibility Champion

FairMoney began its Nigerian journey as a credit-led digital lender — one of the first apps that made personal loans accessible via smartphone. Its expansion into savings products has been one of the Nigerian fintech sector’s more successful pivots, with two products that compete seriously with anything else on the market.

FairSave is the flexible savings account — earning up to 18% per annum with interest credited daily to your account. Withdrawals can be made at any time with absolutely no penalties or fees. For a fully flexible product, 18% per annum is exceptional — it bridges the gap that previously existed between the high rates of locked plans and the low rates of flexible/accessible savings. FairSave essentially eliminates the old trade-off between accessibility and return.

FairLock is the fixed deposit option — lock funds for periods ranging from 7 days to 2 years and earn up to 28% per annum. Multiple FairLock plans can be active simultaneously, which is useful for savers managing multiple financial goals with different timelines. The 7-day minimum lock period is one of the shortest available on any Nigerian savings app, giving significant flexibility even within the “locked” product category.

FairMoney’s lending history is both its greatest strength and its most important context for savers to understand. The high savings rates are partly funded by the interest margins on FairMoney’s loan book. This is a common and legitimate fintech model globally, but it means that FairMoney’s ability to sustain high savings rates is linked to the performance of its lending operations. CBN regulation and NDIC insurance provide meaningful protection, but this context is worth understanding as a saver.

Best for: Savers who want top-tier interest without sacrificing flexibility; those with multiple savings goals at different timelines; people who need occasional loan access from the same platform as their savings.

Part 8: OPay (Owealth) — Massive User Base, Solid Daily Returns

OPay is not primarily a savings app — it is Nigeria’s most widely used mobile money and payments platform, with tens of millions of active users who use it daily for transfers, bill payments, airtime purchase, and business transactions. Its savings product, Owealth, is an addition to this core payments infrastructure rather than a dedicated savings service.

Owealth earns daily interest on idle OPay wallet balances — meaning any money sitting in your OPay wallet that you have not yet spent generates returns automatically. The rates are competitive for a product that requires no deliberate action — simply holding money in your OPay wallet earns more than a traditional bank savings account. There is no lock-in period; funds can be withdrawn or spent at any time.

OPay’s enormous user base makes it a significant vehicle for financial inclusion — it reaches Nigerians who may not have traditional bank accounts or who use it as their primary financial platform. For this demographic, Owealth represents a meaningful step towards their money earning returns rather than sitting idle.

Best for: OPay primary users who want their wallet balance to earn something; people who receive income via OPay and want simple, passive returns on their balance; first-time savers who want the simplest possible introduction to interest-bearing financial products.

Part 9: Risevest — For Dollar-Based Savers

Risevest occupies a unique position in this guide — it is the only platform here that operates entirely in US dollars rather than naira. This distinction makes it a fundamentally different tool from the other apps on this list: not primarily a savings maximisation vehicle in naira terms, but a naira depreciation hedge and dollar wealth-building platform.

The core appeal is straightforward: if the naira loses 30% of its value against the dollar in a year (as has happened repeatedly in recent Nigerian economic history), a naira savings account earning 20% still produces a negative real return in dollar terms. A dollar-denominated investment holding its value in USD maintains its purchasing power for international goods, services, education, and travel even as the naira weakens.

Risevest offers three investment tracks: US stocks (equity investments in American companies), US real estate (fractional ownership of US real estate investment portfolios), and Fixed Income (dollar-denominated bonds and notes). You build a portfolio based on your risk tolerance and timeline, fund it in naira (which Risevest converts to dollars), and watch your dollar balance grow while being protected from naira depreciation risk.

The minimum investment of $10 — approximately ₦16,000 at early 2026 exchange rates — makes it genuinely accessible, not just aspirational. A Nigerian saving $50 per month through Risevest, consistently, over five years, would accumulate a meaningful dollar portfolio at a time when dollar savings are among the most valuable assets a Nigerian can hold.

Best for: Middle-class Nigerians who want dollar exposure and naira depreciation protection; people planning to study abroad, travel internationally, or make dollar-denominated purchases; anyone who has watched the naira depreciate and wants part of their savings protected from its continued movement.

Part 10: Carbon — All-in-One Financial Super App

Carbon (formerly Paylater) is one of Nigeria’s most pioneering fintech applications — it was one of the first digital lenders in the country and has since evolved into a comprehensive digital bank offering savings, loans, payments, and even carbon credit tracking (a nod to the environmental consciousness of its brand positioning).

Carbon’s savings product earns daily interest with competitive rates for fully flexible funds. Its lending product allows quick personal loans from within the same app, making it particularly useful for users who need both savings infrastructure and occasional credit access without maintaining relationships with multiple financial institutions. Carbon’s credit scoring model — built on transaction history within the app — means that consistent savings behaviour can improve your credit limit over time, creating a virtuous cycle between saving and borrowing capacity.

Best for: Users who want both savings and loan access from a single platform; tech-forward users who appreciate Carbon’s design and social impact positioning; anyone who wants CBN-regulated digital banking with savings features integrated.

Part 11: PiggyVest vs Cowrywise — The Head-to-Head Verdict

The most common question in Nigerian fintech savings discussions is this one: PiggyVest or Cowrywise? Both have been around since 2016–2017, both are SEC-regulated, both serve millions of Nigerians, and both are genuinely excellent platforms. So which is better?

Category	PiggyVest	Cowrywise	Winner
User base	4+ million	Large (₦35bn+ held)	🏆 PiggyVest
Interest rates (locked)	Up to 22% (SafeLock)	Up to 15%	🏆 PiggyVest
Interest rates (flexible)	8% (Flex)	13.27% (Emergency/Stash)	🏆 Cowrywise
Investment options	Investify marketplace	Mutual funds + NGX stocks	🏆 Cowrywise
Financial planning tools	Good	Excellent — rate calculator, goal tracking	🏆 Cowrywise
Halal savings	No	Yes	🏆 Cowrywise
Dollar savings	Yes (Flex Dollar)	No	🏆 PiggyVest
Group/social savings	Yes (Target Savings groups)	Yes (Money Duo, circles)	Tie
Savings discipline enforcement	Very high (4 withdrawal days/year)	High (lock periods)	🏆 PiggyVest
App user experience	Very good	Excellent — cleaner interface	🏆 Cowrywise

The verdict: it depends on your personality and priorities.

Choose PiggyVest if you: need enforced savings discipline above all else; want the highest locked rates available on the platform; save in dollars; or want access to an investment marketplace alongside your savings.

Choose Cowrywise if you: want cleaner financial planning tools and a more structured approach to goal setting; need mutual fund or NGX stock access; are a Muslim looking for Halal savings options; or want better flexible (non-locked) savings rates than PiggyVest offers.

The good news: you do not have to choose. Many financially savvy Nigerians use both — PiggyVest for enforced savings and SafeLock for lump sums, Cowrywise for goal planning, mutual funds, and flexible emergency fund savings. The platforms complement rather than compete with each other in a well-structured personal finance portfolio.

Part 12: Are These Apps Safe? What You Must Know

This is the question that holds many Nigerians back from using savings apps — and it deserves a direct, honest answer. The short version: regulated apps are genuinely safe for reasonable amounts. Here is how to evaluate safety:

CBN licensing is the gold standard. Any savings app that holds your money directly must be licensed by the Central Bank of Nigeria as a microfinance bank, a payment service provider, or another appropriate financial institution. Kuda, Renmoney, FairMoney, OPay, and Carbon are all CBN-licensed financial institutions. This means they are subject to regular CBN supervision, capital adequacy requirements, and the same regulatory framework that governs traditional banks.

SEC registration is required for investment products. Apps that offer investment products — mutual funds, stocks, fixed-income instruments — must be registered with the Securities and Exchange Commission (SEC). PiggyVest and Cowrywise are SEC-registered. You can verify any platform’s SEC status at sec.gov.ng/cmos.

NDIC insurance applies to CBN-licensed microfinance banks. Funds held with CBN-licensed microfinance banks (Kuda, Renmoney, FairMoney, Carbon) are insured by the Nigeria Deposit Insurance Corporation (NDIC) up to ₦2 million per depositor per institution. This means that even in the unlikely event of institutional failure, your deposits up to ₦2 million are protected. PiggyVest and Cowrywise, as SEC-registered investment platforms rather than CBN-licensed banks, hold client funds in trust accounts at regulated financial institutions — a different structure with its own protections, but not NDIC insurance.

Practical safety advice:

• Only use platforms that are verifiably CBN-licensed or SEC-registered — check registrations before depositing
• Do not keep more than ₦2 million on any single fintech platform — diversify across 2–3 platforms for larger savings
• Enable all available security features: two-factor authentication, PIN, biometric login, transaction alerts
• Never share your OTP, password, or login credentials with anyone — not even someone claiming to be customer service
• Be extremely sceptical of savings platforms promising guaranteed returns above 30% per annum — this is typically a sign of a fraudulent investment scheme, not a legitimate savings product

Part 13: Which Savings App Should You Choose? A Decision Guide

Your Situation	Best App Choice	Why
“I keep spending my savings before the month ends”	PiggyVest	Four withdrawal days per year enforces discipline like nothing else
“I want the highest possible return on locked funds”	Renmoney or FairMoney	Up to 28% p.a. on locked plans with CBN + NDIC protection
“I want good returns AND the ability to withdraw anytime”	FairMoney (FairSave)	Up to 18% p.a. with no withdrawal restrictions or penalties
“I want a full digital bank, not just a savings app”	Kuda	Full CBN-licensed bank with savings automation, free transfers
“I want to save AND invest in mutual funds from one app”	Cowrywise	SEC-regulated savings + mutual funds + NGX stocks in one platform
“I am Muslim and need Halal savings”	Cowrywise	Only major Nigerian savings app with a dedicated Halal mode
“I want to protect my savings from naira depreciation”	Risevest	Dollar-denominated investing; hedges against naira weakness
“I am just starting out and want the simplest option”	OPay (Owealth)	Earn on your existing OPay balance with zero additional steps
“I want both savings and quick loan access”	Carbon or FairMoney	Both offer savings + loans from the same regulated platform
“I want maximum features — save, lock, invest, dollar savings”	PiggyVest	Most comprehensive single savings app in the Nigerian market

Part 14: Building a Savings Habit That Actually Sticks

The best savings app in the world delivers nothing if you do not use it consistently. Here are the evidence-based principles for building a savings habit that survives the pressures of Nigerian financial life:

Automate everything. The single highest-impact savings behaviour is removing the decision from the equation entirely. Set up an automated transfer from your bank account to your savings app the day after payday — before you have had a chance to spend the money on anything else. Treat your savings contribution as a non-negotiable bill that comes out of your account automatically. What you never see in your spending account, you do not miss.

Start embarrassingly small if necessary. ₦2,000 per month feels laughably small. But ₦2,000 per month, consistently automated, earning 18% per annum for five years, grows to over ₦220,000 — purely through the discipline of consistency and the power of compounding. Starting small and building the habit is infinitely more valuable than waiting until you can save a “meaningful” amount.

Give your savings a name. Research consistently shows that goal-labelled savings — “Rent 2027,” “Emergency Fund,” “MBA Programme” — are significantly more likely to be maintained and less likely to be dipped into than unlabelled savings. Every savings app on this list allows named goals. Use them. The psychological attachment to a named goal is a genuine protective factor against premature withdrawal.

Use multiple apps for different purposes. Many financially sophisticated Nigerians maintain two or three savings accounts simultaneously — one for strict locked savings (PiggyVest SafeLock), one for an accessible emergency fund (FairMoney FairSave or Renmoney RenFlex), and one for investing (Cowrywise mutual funds or Risevest for dollar exposure). This diversification both optimises returns across different savings purposes and provides additional security by not concentrating all funds on a single platform.

Review quarterly, not daily. Checking your savings balance every day creates anxiety and temptation in equal measure. Review your savings progress quarterly — at the same time you can withdraw from PiggyVest, conveniently enough. Quarterly reviews maintain awareness without micromanaging a process that works best when left to run.

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