01
Form the circle
Set the amount and the rhythm. Share a six-character code with people you already trust. Everyone sees the full payout order before a single naira moves.
Rotating savings, on-chain
Ajo is the savings circle your family already runs — ajo, esusu, susu, tanda, chit — rebuilt so the collector is gone. Contributions move wallet to wallet. The app keeps the schedule and proves every payment on-chain.
10
people in a circle
$50
each, every week
$450
to one member, weekly
0
held by Ajo, ever
How it runs
01
Set the amount and the rhythm. Share a six-character code with people you already trust. Everyone sees the full payout order before a single naira moves.
02
Each round, every member sends the fixed amount straight to that round’s recipient. Ajo never touches it — the transfer is wallet to wallet on Polygon.
03
The recipient collects the whole round. Then the turn passes. After the last round, everyone has paid the same and everyone has been paid once.
Round 3 of 10
450.00 USDT
to Amina · due in 2 days
Payout order
Fixed when the circle starts. Visible to everyone, changeable by no one.
Verified on-chain
Every contribution is matched to a real Polygon transaction. The ledger is the chain — not our database.
0x9f2c…a41d
Custody
Traditional ajo breaks in one place: the person holding the pot. Ajo removes that role rather than replacing it. There is no escrow account, no smart contract holding balances, no treasury. Money moves directly between members, and the app’s only job is to say who owes what, and to prove who has paid.