How I used Mansa X USD to pay my loan in Switzerland (CHF) 
How I used Mansa X USD to pay my loan in Switzerland (CHF) 
Let me tell you a story about discipline, stubborn Swiss banking rules… and a fund I once publicly complained about and how that same fund saved me.
Yes. That same Mansa X.
Stay with me.
You know that question: “Should I clear my loan… or invest the money instead?”
It sounds simple.
It is not.
My CHF loan in Switzerland had rules. Strict ones.
You cannot:
* Partially repay whenever you want
* Reschedule endlessly
* Randomly increase payments beyond agreed limits
Last year, I did the sensible thing. I increased my monthly repayment on the loan with the highest interest rate. That reduced interest exposure immediately.
Smart move. Then I tried to increase it further. My bank said: No.
That was the moment I realized something important:
If I cannot accelerate repayment through the bank…
I need to accelerate accumulation outside the bank.
Enter strategy mode: Instead of letting the “extra repayment money” sit idle in a low-interest account, I redirected 30% of my salary into Mansa X USD.
Not to “grow wealth.” Not to speculate. But with one clear objective: Build a lump sum large enough to clear the loan in one decisive strike.
This was not diversification for fun. This was objective-driven allocation. And that distinction matters.
Fast forward, the time comes to clear the loan. Swiss bank requested a statement showing the source of funds. They wanted:
* A formal statement
* Up to date
* As of 30 January 2026
Confidently, I contacted Mansa X. Their reply? “Due to valuation purposes, statements are only shared up to the last completed quarter.”
The same statements I had previously lambasted. The same structure I had complained about. And now? I needed them. Badly.
After persistence, follow-ups, and a bit of professional firmness, I obtained a statement reflecting the required date.
Funds withdrawn. Documentation accepted. Loan cleared.
Happy ending !!!!
This is not a “fund promotion” story. This is a strategy story.
The real lesson I learned is that sometimes the decision is not: “Invest or repay?”
Sometimes it’s: “If I cannot repay now, how do I build the power to repay later?”
And sometimes the vehicle you criticize… becomes the vehicle that solves your problem.
1 reply
Tachi · 16 Feb 2026
Very insightful
Thanks for sharing 
Join the conversation
MoneyVersations Community is a free place where Kenyans share real experiences about saving, investing and money. Join in a minute.
Members share personal experiences, not professional financial advice. Always check a product's details before you invest.
