The same trusted rhythm, powered by software.
Communities have saved this way for generations. Ajo Cloud keeps the tradition — and removes the spreadsheets, the arguments, and the doubt.
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.
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.
Contribute every cycle
Everyone pays the same amount on the same schedule. Each contribution is recorded instantly on a transparent, immutable ledger.
Receive your payout
When the rotation reaches your slot, the full pot lands in your wallet. No spreadsheets, no arguments — the schedule runs itself.
What actually happens
Three moments, one clear rhythm
The schedule is set — and locked
Your group agrees on contributions and the rotation order. Ajo Cloud generates the full payout calendar and locks it in. What you see is what runs.
Every cycle, everyone contributes
On each cycle date, every active member pays the same amount. Contributions land on the ledger instantly — visible to the whole group, impossible to quietly miss.
The pot goes to its turn
When the rotation reaches a member, the full collected pot is paid to their wallet. The next cycle starts fresh, and the rhythm continues until everyone has had their turn.
1,000+
groups formed and counting
₦480M+
rotated through the ledger
25,000+
savings goals created
98.2%
cycles completed on schedule
Every step is recorded
Contributions, payouts, and swaps all move through an append-only ledger. No one can quietly edit a balance — what you see is exactly what happened, from the first contribution to the final payout.
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