AJO · ESUSU · ADASHE
Save together.
The record keeps everyone honest.
Ajo only works when everybody pays and nobody runs. Ajoko makes that the default: your money goes straight from your hand to the next member's account — never through us — while every rule, turn and receipt sits on one board the whole circle can see. The fear that someone vanishes with the pot? Designed out.
Collecting now
Mama Nkechi
₦200,000
4 members × ₦50,000 · due 28 June
STEP 1
Gather your circle
Set the amount, the rhythm, the grace days, the exit rule. Everyone taps “I agree” before a single naira moves — so the rules aren’t your word against theirs. They’re on the record from day one.
STEP 2
Set whose turn is when
Drag the order, or draw lots live in the app. A swap needs both members and the admin to sign off. And a newcomer who lands an early payout gets quietly flagged to you — the oldest trick in ajo, caught before it costs anyone.
STEP 3
Pay hand to hand, on the record
Each member transfers straight to whoever is collecting, and files the reference on the board. The receiver confirms. No pot, no middleman, no “I sent it last week” — just proof, in the open, that the whole circle can see.
STEP 4
Turn reliability into reputation
Every cycle you finish clean builds a trust profile your next circle sees before they let you in. Keep your word and doors open. Break it and that stays too — a reputation you can fake is worth nothing.
No pot. Nothing to run with.
Every ajo nightmare ends the same way — someone disappears with the money. Ajoko ends it differently: there is no pot to disappear with. Contributions never touch an app wallet; they move member to member by bank transfer, reference filed on the board. We hold the record. You hold the money. It isn't a feature we bolted on — it's the whole idea.
Your next circle can start tonight.
Two minutes to set up. Invite your people over WhatsApp, everyone agrees, and you're running — with a record that never forgets.
Start your circle — freeFree for your first circle of up to 8 members. Ajoko Plus lifts the cap for ₦1,000 per cycle — free while we're in beta.