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A simple, digital and transparent journey

How does ICM work?

ICM makes access to investment simpler through a structured journey available from a phone, a tablet or a computer. From opening your account to tracking your investments, every step is designed to help you understand your operations, review your information and manage your requests from a secure personal area.

Our approach rests on four essential principles: clarity, traceability, support and risk management. Before any subscription, you can review a plan's characteristics, its indicative duration, its risk level, its conditions and its potential objective.

Create my account Explore the plans
A platform designed for you

An experience designed to support you at every step

Investing should not come down to picking an amount and waiting for a result. A serious approach starts with understanding the service, identifying your objectives and assessing the associated risks.

ICM provides you with a digital environment in which you can create your account, complete your information, review the available solutions, track your operations and contact customer support whenever you need guidance.

Every operation recorded on the platform receives a reference and a status you can consult from your dashboard. This structure keeps a clear history of your requests, your investments and your financial movements.

The journey step by step

The ICM journey in 6 steps

1

Create your personal account

Opening an account is the first step of your journey. It gives you access to a personal area from which you can review the plans on offer, submit your requests and track your operations.

  • Last name
  • First name
  • WhatsApp number
  • Country of residence
  • City
  • Amount you are considering
  • Password
  • Password confirmation

Your phone number becomes your main login identifier. It must be accurate, active and reachable, as it may be used to secure certain operations or to send you important information about your account.

Once the form is validated, a unique client identifier is generated and your personal area is created automatically.

Keep in mindCreating an account does not automatically constitute a subscription to an investment. It gives you access to the platform so that you can review the information, complete your profile and freely choose a solution.
2

Complete and secure your profile

After your first login, you will be asked to verify or complete certain personal information. This step helps strengthen account security and ensure the consistency of the operations recorded.

  • Phone number confirmation
  • Residential address
  • Identity document
  • Proof of address
  • Information on the source of funds
  • Acceptance of the terms of use
  • Acknowledgement of the risk warnings

Any documents submitted are used solely to process the account, verify the information provided and comply with the applicable obligations.

Why this step mattersProfile verification helps limit errors, identity theft attempts and unauthorised operations. It also ensures that the information used for transfer requests genuinely matches the account holder.
3

Define your investment objective

Before choosing a plan, it is essential to identify your objective clearly. Do you want to invest over a short period, build capital gradually, diversify your savings or pursue a more dynamic long-term strategy?

To help you make a consistent choice, every plan sets out several pieces of information:

  • Initial amount
  • Indicative duration
  • General strategy
  • Risk level
  • Indicative performance objective
  • Subscription conditions
  • Tracking arrangements
  • Exit or transfer rules

The objective displayed corresponds to a projection based on the plan's strategy. It does not represent a promise of results and must not be interpreted as a guaranteed gain.

Good practiceNever invest an amount you may need for your essential expenses. Any investment decision must take into account your financial situation, your investment horizon and your ability to bear a loss.
4

Choose a plan suited to your profile

ICM offers several investment levels in order to match different financial capacities and different investment horizons.

From the plans page, you can compare the available solutions according to:

  • The initial capital required
  • The estimated duration
  • The indicative performance objective
  • The risk level
  • The plan's characteristics
  • The access conditions
  • The support services included

Once your choice is made, you can submit a request from your personal area. Your request then receives a status visible from your dashboard:

  • Draft
  • Awaiting validation
  • Under verification
  • Additional information required
  • Validated
  • Active
  • Closed
  • Rejected
  • Cancelled
ImportantThe validation of a request depends on the verification of the information provided and on compliance with the conditions attached to the selected plan.
5

Fund your account or confirm your operation

After selecting a plan, the platform presents the payment or transfer methods available in your country. Depending on your area of residence, the following solutions may be offered:

  • Orange Money
  • MTN Mobile Money
  • Moov Money
  • Wave
  • Mynita
  • Amana
  • Other methods enabled by the administration

The information to be provided may include:

  • Amount
  • Operator used
  • Phone number
  • Transaction reference
  • Proof of payment, where required

Once submitted, the request is recorded in your history with a unique reference.

  • Pending
  • Payment to be confirmed
  • Under verification
  • Validated
  • Declined
  • Cancelled
ImportantNo movement should be considered final until its status appears as validated in your personal area.
6

Track your investment from your dashboard

Once your request is validated, your dashboard becomes the centre for tracking your activity. There you can consult:

  • The amount invested
  • The active plan
  • The start date
  • The indicative duration
  • The current value
  • The indicative objective
  • The status of your investment
  • The movements recorded
  • The notifications received
  • The transfer requests
  • The complete history of your account

Every operation is retained so that you can easily find the information that matters.

What the dashboard must never doThe dashboard must not hide risks, present artificially guaranteed progress, or display a value as definitively acquired before the corresponding operations are closed and validated.
Reading the figures correctly

Understanding the performance figures shown

Initial capital

This is the amount you choose to commit to a plan.

Indicative performance objective

This is an estimate expressed as a percentage, which may be reached depending on the strategy, the duration, market conditions and the performance actually achieved.

Potential gain

The potential gain corresponds to applying the indicative objective to the capital committed. It is a projection, never an amount acquired.

Return on investment (ROI)

The potential return on investment allows you to compare the estimated gain with the amount initially committed. It is a forward-looking indicator, not a guarantee.

Indicative duration

The indicative duration represents the estimated horizon of the plan. It may vary depending on the conditions provided for, operational constraints and market events.

Putting it into practice

How to read a plan: a worked example

Example: the Growth plan

Initial capital 50 000 FCFA
Indicative duration 9 – 15 months
Indicative performance objective 7 % – 14 % over the period
Risk level High

This example means that a performance objective may be presented as part of the plan, but that it depends on the strategy applied and on the results achieved. The final outcome may be lower than the stated objective, and a partial or total loss of capital remains possible.

Getting your balance out

Requesting a transfer

When your balance is available and the plan's conditions allow it, you can submit a transfer request from your personal area.

The form generally asks for:

  • Last name
  • First name
  • Phone number
  • Transfer method
  • Amount requested

After validation, the request appears in your history together with its status.

Request verification

The system checks the information entered, the amount available and the consistency of the beneficiary account.

Security check

An additional verification may be requested in order to confirm that the request genuinely comes from the account holder.

Administrative processing

The request is reviewed and then validated, rejected or placed on hold pending additional information.

Execution or closure

Once approved, the operation is marked as processed and its reference remains available in the history.

Transparent statuses

  • Pending
  • Under verification
  • Additional information required
  • Approved
  • Being processed
  • Processed
  • Rejected
  • Cancelled
No hidden fees
ICM never makes the release of a balance conditional on hidden fees or on payments that are not announced in the applicable conditions. Any fees are displayed before your request is validated.
Your personal area

A complete view of your activity

From your dashboard, you can:

  • Consult your wallet
  • Track your investments
  • Check the status of your requests
  • Update certain information
  • Consult your notifications
  • Send a request to support
  • Change your password
  • Review your login history

The aim is to give you a clear view of your account, without having to contact customer service every time you need a basic piece of information.

We are by your side

Support and guidance

Customer service can assist you with:

  • Creating your account
  • Verifying your number
  • Understanding the plans
  • Following up on a request
  • Changing a piece of information
  • Recovering access to your account
  • Interpreting a status
  • Reporting a suspicious operation
Good practiceTo speed up the handling of your request, remember to include your client identifier, the operation reference, the date concerned and a precise description of your request.
Protect your account

Security and good practices

To keep your personal area secure:

  • Use a unique password
  • Never share your password
  • Never pass a security code on to a third party
  • Always check the official support number or channel
  • Log out after using a shared device
  • Report any unusual activity immediately
  • Keep the references of your operations
ImportantICM will never ask you for your full password by message or by phone.
Our ground rules

Our operating commitments

Transparency

The essential characteristics of a plan are accessible before any subscription.

Traceability

Every operation receives a reference and remains available in the client's history.

Data protection

Personal data is collected only where it is necessary for the service to operate.

Risk information

Potential performance is never presented as certain or guaranteed.

Support

Clients can contact support and follow up on a request without relying on unverifiable verbal information.

Accessibility

The interface remains simple, legible and usable on mobile as well as on desktop.

Frequently asked questions

You may be wondering…

Is registration free?

Yes. Creating an account is free. Any fees linked to a service or an operation are clearly displayed before validation.

Is an email address required?

No. An account can be created with a phone number and a password. The number must, however, be reachable and correctly entered.

Can I change my phone number?

Yes, but a security check is required before the change is applied.

Is the displayed return guaranteed?

No. Any performance objective is an estimate. Actual results may vary and a loss of capital is possible.

Can I cancel a request?

A request can generally be cancelled as long as it has not yet been validated or executed. The exact conditions are shown in your personal area.

How do I track an operation?

Every request appears in your dashboard with a reference, a date and a status.

Which transfer methods are available?

The available methods vary depending on your country and on the operators enabled on the platform.

What should I do if an operation stays pending?

First check the status and any notifications. You can then contact support, quoting the reference of the request.

Is my information protected?

The platform implements appropriate security measures, including password encryption, session protection and logging of sensitive actions.

See the full FAQ

Ready to start your journey?

Create your personal area, discover the available solutions and review all the information you need before making your decision. With ICM, you benefit from a structured journey, centralised tracking and permanent access to the history of your operations.

Create my account View the plans

Every investment carries a risk of partial or total loss of capital. The objectives and projections presented on the platform do not constitute a promise of return. Take the time to understand a plan's conditions before any subscription.