Save as a group. Take your turn. with Ajo.
Ajo is the community savings tradition you already trust, brought online. Your group agrees on a fixed contribution and a rotation order — Ajo Cloud locks the schedule, collects contributions, and pays the full pot to each member when their turn arrives.
Ajo · Rotating savings groups
- 1 pot
- per cycle, one member at a time
- Locked
- rotation generated in advance
- 2-way
- approval for every slot swap
Why Ajo
Thoughtfully built for trust
A rotation you can rely on
The full payout schedule is generated before your group locks in — and once locked, it can't be quietly changed. Everyone knows exactly when their turn is.
Fair, by arithmetic
Each cycle collects the same contribution from every active slot and pays exactly that amount to one member. No shortfalls, no favors, no surprises.
Swaps, done properly
Need to trade your turn with someone? Swaps require both members' explicit approval, and every change creates a new version of the schedule — fully auditable.
Ledger-backed money
Every contribution and payout moves through an append-only ledger. Balances are derived from entries, never edited, so the pot always adds up.
How Ajo works
Simple from start to finish
Create or join a group
Start your own Ajo group or join one your community already runs. Agree on the contribution amount, cycle frequency, and rotation order together.
Contribute every cycle
Each member pays the same amount on the same schedule. Contributions are recorded instantly on a transparent, immutable ledger.
Receive your payout
When the rotation reaches your slot, the full pot lands in your wallet. The schedule runs itself — no spreadsheets, no arguments.
What you get with Ajo
- Whole slots only — one contribution amount per group
- Own multiple slots if you want to save faster
- Versioned schedules with full audit history
- Clear, upfront fee snapshots
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