What is happening is most likely a difference between your investment account activation and your CSCS account creation.
For Stanbic IBTC, those two things do not always happen at the same time.
Here is the important distinction:
Money Market Fund (MMF) → does NOT require CSCS/CHN.
Stock trading (shares) → requires CSCS account + CHN.
So the fact that your MMF application worked is actually a good sign. It means:
your KYC is probably now approved,
your investment profile is active,
but your stock-trading profile may still be pending or not yet generated.
That is why you may not yet see a CSCS or CHN.
What You Should Check on Stanbic IBTC App
On the Stanbic IBTC Invest app, try these locations:
Option 1 — Portfolio/Profile Section
Look for:
“My Profile”
“Account Details”
“Investment Account”
“Securities Account
may appear there.
Option 2 — Equities/Stock Trading Section
If the app has:
Equities,
Stocks,
Nigerian Shares,
Trade Securities,
click there first.
Some brokers only generate/display CSCS after you activate equities trading separately.
Option 3 — Email Search
Search your email inbox for:
“CSCS”
“CHN”
“Central Securities”
“Stanbic”
“CHN Number”
Sometimes the broker sends it by email but not inside the app.
Also check:
Spam
Promotions
Updates folders
Very Important Point About Multiple Brokers
Since you already opened:
InvestNaija
Stanbic IBTC
possibly another broker before,
there is a strong possibility you already have an existing CHN.
In Nigeria:
You should have ONE CHN only.
Multiple brokers can link to the same CHN.
So Stanbic may currently be:
verifying your existing CHN,
trying to link your account,
or waiting for CSCS reconciliation.
This can delay display of the CHN on the app.
Why Your Earlier Broker Asked You to Fund Wallet
Some brokers delay full account activation until:
wallet funding,
first investment,
or additional KYC verification.
That does not necessarily mean fraud or a problem.
About Your House Rent Plan Using MMF
Using a money market fund for short-term capital preservation is reasonable if:
your rent payment is not immediate,
you want better yield than a savings account,
and you may withdraw within weeks/months.
But remember:
MMF withdrawals are not always instant.
Some process:
same day,
T+1,
or 24–48 hours.
So do not wait until the exact rent due date before redeeming.
For rent money:
prioritize liquidity first,
return second.
What I Recommend You Do Next
Wait till tomorrow/business hours if KYC was just approved.
Check whether “Equities” has been separately activated.
Search your email thoroughly.
Contact Stanbic IBTC support and ask specifically:
“Has my CHN/CSCS account been created or linked?”
not merely:
“Is my KYC approved?”
Those are different processes.
You can also ask them:
whether you already have an existing CHN from another broker,
and whether they are trying to link it.
That question usually gets faster clarification.
The good part is:
your MMF working means your account is progressing,
and you are less likely facing a total onboarding failure.