Money still moves hand to hand.
Collections become a recurring human chase. The group depends on reminders, memory, and whoever is willing to carry the stress.
Digital Ajo · Esusu · Adashe
Run your Ajo without chasing anyone for money.
My Ajo App runs your savings circle for you. Contributions are collected automatically each cycle, every payment is recorded, and a trust score shows who pays on time — so the money is there when it's your turn. The saving circle, rebuilt with rhythm and receipts.
Tested by 40+ real savers
Payments, KYC & AML built in
CAC-registered in Nigeria
Now available on the App Store and Google Play.
Why this matters
Community saving already works. The admin still feels chaotic.
Traditional circles are trusted because they are social, local, and familiar. What breaks is the operating layer: cash collection, invisible history, unclear accountability, and no real system once groups grow beyond tight personal trust.
No portable record of who showed up well.
Reliable members start from zero in every new circle, while bad actors can hide behind fresh introductions and vague stories.
Group leaders become unpaid operations teams.
Receipts, disputes, payout timing, and reminders all land on one person. That makes circles fragile long before demand disappears.
Informal finance rarely comes with clear rails.
Without digital records and identity workflows, circles stay harder to formalize, audit, or connect to broader financial infrastructure.
Product system
Everything your circle needs to run, in one place.
The experience is meant to feel warm, clear, and ritualized for members while giving operators a much stronger sense of control behind the scenes.
Set the circle once. Let the rhythm hold.
My Ajo App is designed around recurring behavior, not one-off payments. Groups can define amount, sequence, timing, and contribution mode in a way that feels operational instead of improvised.
Contribution schedule design
Auto-collect setup
Payout sequencing
Cycle visibility for members
Reputation becomes visible, legible, and cumulative.
Trust is not just a feeling in the room. The product turns recurring behavior into a portable score, giving groups a way to see reliability before problems become expensive.
Payment behavior signals
Profile completion
Member trust scoring
Risk visibility for operators
Members are easier to know.
BVN, documents, and verification flows sit inside the product rather than outside the circle.
The group leader gets breathing room.
Contribution state, member visibility, and risk alerts move from memory into interface.
Built to keep the circle calm when money gets tense.
Alerts, trust visibility, payout controls, and risk-oriented workflows all exist to make circles feel less brittle. The goal isn't to strip away the culture — it's to keep the circle intact when pressure rises.
Member flow
A more designed journey from joining to payout.
The product experience should feel clear even for members who are not looking for a complicated finance app.
1
Join with context.
Members enter a circle with clear visibility into amount, order, timing, and expectations.
Clarity first2
Verify identity.
Trust starts with better member certainty, not just introductions and chat messages.
KYC in flow3
Automate the rhythm.
Once collection settings are linked, the circle relies less on chasing and manual coordination.
Recurring behavior4
Watch trust compound.
Good behavior becomes more visible over time, giving circles a stronger memory than gossip and screenshots.
Portable reputation5
Get your payout, cleanly.
When it's your turn, the payout should feel expected, not dramatic — the money is there, on schedule.
Your turn, paid
Trust & safety
The questions every saver should ask.
Ajo only works when the money is safe and the rules are clear. Here's how My Ajo App handles the hard parts — in plain terms, no fine print.
What if a member doesn't pay?
Every contribution is auto-debited on schedule, and a missed payment triggers instant alerts and a trust-score penalty. Payout order is managed so the group isn't left exposed. My Ajo App reduces default risk — it doesn't guarantee against it.
Is my money guaranteed?
No. Ajo is a community savings circle, not an insured bank deposit. My Ajo App makes the circle transparent and accountable, but members save at their own risk.
Where is my money held?
Payments are processed by Paystack, which is licensed by the Central Bank of Nigeria. My Ajo App never holds or custodies your money — contributions move between members through regulated rails.
What data do you collect?
We verify identity with BVN and documents to keep circles safe, and we handle your data under Nigeria's NDPA. See our Privacy Policy.
What does it cost?
The app is free to download. Before your first circle, a one-time ₦1,000 identity check (BVN and documents) keeps every circle safe. After that, you pay a 2% service fee per contribution (minimum ₦50), plus the standard card or bank-transfer processing fee — you'll always see the full total before you pay. Risk protection is an optional 1.5%.
Still have a question?
Chat with us on WhatsApp ↗
Investor room
Stage
Pre-seed · open
Instrument
SAFE · cap on request
Use of funds
Early growth + distribution
Focused round. Real operating problem. Shipped product.
My Ajo App is raising a focused pre-seed round to grow a live, instrumented product across web and mobile in Nigeria. We're pre-revenue by design — the full deck, product walkthrough, and forecast model are available on request.
For information only — not an offer to sell or a solicitation to buy securities. Raise terms are indicative and subject to definitive agreements. Any forward-looking statements are projections, not guarantees of future performance.
A live product, not a pitch deck.
Payments, BVN/KYC, AML workflows, trust scoring, and full group flows already run in production on Paystack rails — tested with 40+ real users.
Group-first finance, not generic consumer lending.
Built around shared financial behavior and operator workflows — which changes both the UX and the defensibility.
2% per contribution, plus protection and subscriptions.
A 2% fee on each contribution, optional 1.5% risk protection, and admin subscriptions (₦2,000–₦5,000/mo). Lending stays on the roadmap.
An 8-member ₦480,000 circle earns ~₦9,600 per cycle.
At the standard 2% fee, one 8-member ₦60,000/cycle circle generates about ₦9,600 each cycle — ₦76,800 over a full rotation — before protection and subscription revenue.
Tens of millions save outside the formal system.
28% of Nigerian adults — roughly 37 million people — save through a savings club or informal arrangement; 72% save, but only 38% save at a bank. That gap is the market. World Bank Global Findex, 2024
The rails to digitize this finally exist.
67.8m Nigerians now hold a BVN, ₦105 trillion moved over instant transfers in 2024, and there are 150m mobile connections — the identity and payment rails to collect and verify at scale. NIBSS · DataReportal, 2024–25
Founder / CEO
Ransom Ahanmisi
Solo technical founder. Personally designed and shipped the live stack end to end — Paystack payments, BVN/KYC, AML workflows, trust scoring, and the operator dashboard. Capital-efficient today; hiring after the raise.
Keep the warmth of the circle. Remove the confusion around the money.
My Ajo App is not trying to erase how these communities save. The point is to make the experience more legible, dependable, and scalable without flattening the social logic that made it work in the first place.