Rotating savings groups
Ajo
Start or join a fixed-amount Ajo group. Contribute every cycle and receive the full pot when it's your turn — on schedule, every time.
Learn moreThe trusted way to save together — now in your pocket
Save together.
Rotate fairly.
Grow stronger.
Ajo Cloud brings community savings online — transparent rotating Ajo groups, personal Akawo goals, group Food Ajo, and bill payments, all backed by an auditable ledger you can trust.
Free to join · Available on iOS and Android
- Ledger-backed balances
- Verified KYC
- Auditable every step
9:415G
Thursday, Cycle 4
Sunshine Ajo Group
Payout pot
₦250,000
2 of 5 cycles collected
This cycle's payout
Adaeze · ₦250,000
Members
AAdaezeThis cycle
BBisiNext
CChidiNext
DDamilolaNext
EEmekaNext
Our products
Everything your community saves with — in one app
Four trusted ways to save, share, and grow. Each one backed by the same transparent, auditable ledger.
Personal savings goals
Akawo
Flexible, target, or locked savings goals for anything that matters. Set a target and watch it grow at your own pace.
Learn more
Group food procurement
Food Ajo
Pool contributions with trusted coordinators to buy quality food in bulk at locked prices, and get it delivered to your community.
Learn more
Everyday bills, one app
Bill Payment
Pay airtime, data, electricity, and more in a few taps — with clear receipts and a full transaction history you can audit.
Learn more1,000+
groups formed and counting
₦480M+
rotated through the ledger
25,000+
savings goals created
98.2%
cycles completed on schedule
How it works
From first contribution to full payout
The same simple rhythm communities have trusted for generations — now with the fairness and transparency of software.
01
Create or join a group
Start your own Ajo group or join one your community already runs. Set the contribution amount, cycle frequency, and rotation order together.
02
Contribute every cycle
Everyone pays the same amount on the same schedule. Each contribution is recorded instantly on a transparent, immutable ledger.
03
Receive your payout
When the rotation reaches your slot, the full pot lands in your wallet. No spreadsheets, no arguments — the schedule runs itself.
“Ajo isn't just savings — it's the group showing up for each other, week after week.”
— Community tradition, reimagined
Built for community
The tradition you trust, with the transparency you deserve
For generations, communities have pooled money in rotating groups — everyone contributes, and each member takes the pot in turn. Ajo Cloud keeps every part of that rhythm, then adds what paper systems can't: an immutable ledger, a locked schedule, and identities you can verify.
Everyone sees the same schedule
The rotation order is generated and locked before the group starts — no one can quietly jump the queue.
The pot always adds up
Every contribution is recorded on the ledger. The math is public, auditable, and never quietly edited.
Your community, your rules
Set contribution amounts, cycle frequency, and rotation order together. Ajo Cloud just makes it fair and clear.
Why Ajo Cloud
Built the way serious savings deserve
Community savings only work when everyone trusts the system. So we engineered trust in — with an auditable ledger, verified identities, and rules that can't be quietly bent.
100%
Ledger-backed balances
4
Ways to save & pay
0
Hidden fees
24/7
Transparent records
A real ledger, not a promise
Every naira moves through an append-only ledger. Balances are derived from entries, never edited — what you see is exactly what happened.
Verified people, safer groups
Progressive KYC verifies members and coordinators, so you know exactly who you're saving with — and bad actors stay out.
Fair rotation, by design
Payout schedules are generated and locked in advance. Swaps need both parties' approval, and the schedule is versioned and immutable.
No hidden fees, ever
Fees are captured in versioned snapshots and shown upfront. No surprise charges buried in fine print — just honest pricing.
Community stories
Real groups. Real momentum.
From market circles to estate food pools, communities are already saving the modern way.
“We ran our Ajo in a WhatsApp group for two years. The moment we moved to Ajo Cloud, everyone could see the schedule, the pot, and their turn — no more 'who's turn is it?' arguments at all.”
Adaeze Okafor
Group admin, Lagos
Sunshine Savings Circle
“I'm saving for my daughter's school fees with Akawo. Seeing the progress bar climb every month keeps me consistent — I've never saved this steadily in my life.”
Tunde Balogun
Akawo user, Ibadan
School fees goal
“Our estate started a Food Ajo programme and the rice and beans arrived exactly on schedule, with receipts for everything. My neighbours asked how we did it.”
Fatima Bello
Programme member, Abuja
Estate Grocery Programme
FAQ
Questions, answered
Everything you need to know before you get started.
An Ajo is a trusted community savings tradition: a group of people contributes a fixed amount on a regular schedule, and each member receives the full pot when their turn in the rotation comes. Ajo Cloud brings that tradition online with a transparent, automatic schedule.
Your group agrees on the order when the group is created. The full rotation is generated and locked in advance — it can't be quietly changed. Swaps between members are possible, but only with both parties' explicit approval, and every change is recorded.
Every naira is recorded on an immutable, append-only ledger. Balances are derived from those entries, not edited like a spreadsheet. Add verified KYC, idempotent transactions, and full audit trails, and you have a system designed so money can't quietly go missing.
Akawo is Ajo Cloud's personal savings product. You create a goal — flexible, target, or locked — and save toward it at your own pace, with clear progress and a full statement of every contribution.
Food Ajo lets trusted coordinators run group food procurement: members pool contributions, buy quality food in bulk at locked prices, and get it distributed to the community. Bill Payment lets you pay airtime, data, electricity, and more — all with clear receipts and audit history.
We're in the final stages of development. The app will be available on the App Store and Google Play very soon — tap any download button to join the waitlist and we'll let you know the moment it's live.
Launching soonYour community's savings,
Your community's savings,
finally in your pocket.
Join the waitlist and be the first to start your Ajo group when the app goes live.
Free to join · No card required · iOS & Android