Turn by turn, no wahala.

Because life is turn by turn, Ajose makes sure yours comes.

Run your Ajo. Track every round. Trust every naira. Ditch messy WhatsApp groups and handwritten ledgers for an automated, transparent contribution platform built for Nigeria.

Start Your Ajo Group

CBN-Regulated Settlement via Paylode PSSP

•

Mono Open Banking (NDPR Compliant)

•

100% Non-Custodial Direct Pass-Through

Group Roster

October Payout Cycle

ACTIVE ROUND

Sarah J.

E don pay ✓

Michael O.

E don pay ✓

David K.

Your turn don reach 🎯

Admin Projected Earnings

₦450,000

Across 3 active groups managed

₦10,000 to ₦10,000,000+Built for circles of any size from micro-thrift to major capital pools.

Automated EnforcementNo more chasing defaulters or sending awkward WhatsApp reminders.

Direct Bank-to-BankÀjọṣe never holds your money, funds settle directly to each recipient.

Home & DiasporaBuilt for Nigerians saving together across states and borders.

How Àjọṣe Works

Four simple steps to secure, transparent rotating contributions.

STEP 1

Create Group

Set the contribution rules and invite trusted peers.

STEP 2

Members Join

System assigns turns and locks the roster when active.

STEP 3

Contribute

Members pay their share directly to the Admin.

STEP 4

Payout

Admin routes the pooled funds to the receiving member.

System Architecture

Engineered for Trust & Transparency

We’ve taken the traditional Ajo and wrapped it in a premium software experience. Everything you need to manage your group effortlessly.

Immutable Records

Total transparency for every member.

Tamper-proof contribution logging
Real-time Open-Banking payment verification
Permanent, downloadable ledger audit history

Turn by turn, guaranteed.Bank-grade automation

Live UI Experience

Everything in one place

A beautifully designed dashboard to manage every aspect of your Ajo group.

ajose.app/dashboard

Tech Savers Circle

October Round 4 of 10

₦1,200,000

TOTAL MEMBERS

12 Savers

NEXT PAYOUT

Oct 15 (₦1.2M)

Live Mono Open Banking Feed100% Non-Custodial

Uncompromising Distinction

How Àjọṣe Compares to WhatsApp Groups & Solo Apps

Why Nigeria’s smartest circles choose automated enforcement over manual WhatsApp chaos or solo-saving apps.

Key Capability	WhatsApp GroupsTraditional Peer Thrift	Solo AppsIsolated Personal Lock	Àjọṣe PlatformAutomated Rotational Engine
Rotating Lump-Sum Payout Get large capital multiplier on your assigned turn	High Default RiskPeople vanish after collecting	No (Solo Only)Save alone with zero leverage	Automated & EnforcedGuaranteed turns with identity locks
Automated Bank Sweeps Morning direct-debit on contribution date	Manual TransfersFake receipt screenshots & drama	Automated DebitDebited into company omnibus pool	Direct Open-BankingAutomated via Mono (NIBSS rail)
Defaulter Protection Sanctions when a member misses their turn payment	None (Endless Wahala)Damaged relationships & lost money	N/ANo peer group accountability	Credit Score PenaltyNationwide blacklist & 15% fine
Fund Custody & Safety Where your contributions are held	Admin Personal AcctRisky phone custody with organizer	Corporate OmnibusFintech company holds the funds	100% Non-CustodialDirect pass-through to collector
Organizer Monetization Commission for running circles	Awkward DeductionsManual cuts cause group suspicion	0% Admin CutPlatform keeps all yield & spread	0–15% Automated CutVerified earnings paid directly to Admin

Simple, Transparent Pricing

No hidden fees, no subscriptions. Select the schedule that works best for your circle.

Flexible Circle Plans

Zero Hidden Fees • Guaranteed Rotations

📅 Monthly Groups

Open-Banking Protection fee • 0% on member debits

2%Capped at ₦10k Max

🗓 Weekly Groups

0% payout fees! Auto-debit via Mono

₦300/ transaction

📌 Daily Groups

0% payout fees! Daily thrift micro-debit

₦100/ transaction

Free to create an account & join unlimited circles

Direct pass-through bank settlement & immutable ledger

Create a Group Free Full Pricing

What Happens If Someone Doesn’t Pay?

Every rotational circle is protected by automated enforcement rails.

Multi-Layer Default Protection Protocol

1
Automated Retry Sweeps
If morning sweep fails due to insufficient balance, automatic retry sweeps trigger at 12:00 PM and 6:00 PM.
2
Credit Bureau Score Degradation
The defaulter’s Ajo Credit Score drops by -10 points and automatically freezes them from joining other circles nationwide.
3
Automated Fallback Notifications
Instant 1-click fallback bank transfer link sent directly via SMS and WhatsApp.
4
15% Penalty Redistribution
Late settlement penalties (15%) are distributed directly to compensate the affected circle members.

Turn by turn, guaranteed.Calculate Your Pot Payout

B2B Organizer Monetization

Turn Your Community into Sustainable Revenue

Whether you run an office thrift, church welfare pool, alumni circle, or market cooperative, Àjọṣe handles the automated collections while you earn your custom organizer commission.

Active Circles Managed3 Circles

1 Circle6 Circles (Pro)15 Circles (Power)

Average Pool Size per Circle₦1,000,000

₦200k (Friends)₦2.5M (Business)₦5.0M (High Net Worth)

Your Organizer Commission Cut5%

You choose your rate (0% to 15%) upon circle creation. Deducted automatically upon payout.

Direct Bank Settlement via Mono

Zero Cash Handling / Safe Escrow

Standard Organizer Tier

Estimated Monthly Organizer Earnings

₦150,000/ cycle volume

~₦1,800,000 projected annual run-rate

Total Pool Volume:₦3,000,000

Organizer Incentive Tier:Standard Rate

Collections:100% Automated Direct Debit

Start Your First Circle Free

No subscription fee • Free to create • Zero risk non-custodial

Bank-Grade Security

Your data is secured with AES-256 encryption, the same standard used by leading banks worldwide.

Automated Fraud Prevention

Our built-in Ajo Credit Score automatically flags and prevents habitual defaulters from joining new groups.

100% Mobile Ready

Manage your group from anywhere. No need to carry laptops or physical ledgers.

NigeriaÀjọ / Esusu

UK DiasporaPardna

United StatesRotational Fund

CanadaDiaspora Circle

GhanaSusu Pool

KenyaChama Circle

South AfricaStokvel

JamaicaPartner Scheme

CameroonNjangi

TrinidadSou-sou

Built for Nigerians at Home & Diaspora Circles

Loved by Communities

From Lagos and London to Accra and Atlanta, hear how circle organizers and savers manage their rotations with trust and zero wahala.

Lagos, Nigeria

“Finally, a way to do Ajo without the endless WhatsApp arguments. The automated turns feature is a lifesaver.”

Bisi A.

Group Admin

Verified Member

Enugu, Nigeria

“I love the transparency. Being able to see exactly who has paid and who is next builds so much trust.”

Emeka O.

Member

Verified Member

Ibadan, Nigeria

“We moved our alumni contribution group here. The dashboard makes managing millions of Naira completely stress-free.”

Tola F.

Alumni President

Verified Member

London, UK

“The Open-Banking auto-debit has completely transformed our medical diaspora monthly pool. Payouts arrive directly without delay.”

Dr. Kunle A.

Diaspora Circle Lead

Verified Member

Accra, Ghana

“We run our cross-border tech founders Susu on Àjọṣe. The ledger accuracy and payout countdown give everybody peace of mind.”

Kwame M.

Susu Circle Organizer

Verified Member

Atlanta, GA

“Our Nigerian-American family pool has 12 members across 4 states. Everyone knows their turn date and nobody has to chase cousin payments.”

Chinwe & Chidi N.

Family Circle Admins

Verified Member

Abuja, Nigeria

“Running our civil service thrift pool used to take hours of manual bank confirmation. Àjọṣe automated the entire verification cycle.”

Fatima Y.

Cooperative Lead

Verified Member

Toronto, Canada

“We organize our quarterly business expansion circle from Ontario. The non-custodial structure is exactly what we needed to trust the platform.”

David O.

Business Circle Member

Verified Member

Lagos, Nigeria

“Finally, a way to do Ajo without the endless WhatsApp arguments. The automated turns feature is a lifesaver.”

Bisi A.

Group Admin

Verified Member

Enugu, Nigeria

“I love the transparency. Being able to see exactly who has paid and who is next builds so much trust.”

Emeka O.

Member

Verified Member

Ibadan, Nigeria

“We moved our alumni contribution group here. The dashboard makes managing millions of Naira completely stress-free.”

Tola F.

Alumni President

Verified Member

London, UK

“The Open-Banking auto-debit has completely transformed our medical diaspora monthly pool. Payouts arrive directly without delay.”

Dr. Kunle A.

Diaspora Circle Lead

Verified Member

Accra, Ghana

“We run our cross-border tech founders Susu on Àjọṣe. The ledger accuracy and payout countdown give everybody peace of mind.”

Kwame M.

Susu Circle Organizer

Verified Member

Atlanta, GA

“Our Nigerian-American family pool has 12 members across 4 states. Everyone knows their turn date and nobody has to chase cousin payments.”

Chinwe & Chidi N.

Family Circle Admins

Verified Member

Abuja, Nigeria

“Running our civil service thrift pool used to take hours of manual bank confirmation. Àjọṣe automated the entire verification cycle.”

Fatima Y.

Cooperative Lead

Verified Member

Toronto, Canada

“We organize our quarterly business expansion circle from Ontario. The non-custodial structure is exactly what we needed to trust the platform.”

David O.

Business Circle Member

Verified Member

Lagos, Nigeria

“Finally, a way to do Ajo without the endless WhatsApp arguments. The automated turns feature is a lifesaver.”

Bisi A.

Group Admin

Verified Member

Enugu, Nigeria

“I love the transparency. Being able to see exactly who has paid and who is next builds so much trust.”

Emeka O.

Member

Verified Member

Ibadan, Nigeria

“We moved our alumni contribution group here. The dashboard makes managing millions of Naira completely stress-free.”

Tola F.

Alumni President

Verified Member

London, UK

“The Open-Banking auto-debit has completely transformed our medical diaspora monthly pool. Payouts arrive directly without delay.”

Dr. Kunle A.

Diaspora Circle Lead

Verified Member

Accra, Ghana

“We run our cross-border tech founders Susu on Àjọṣe. The ledger accuracy and payout countdown give everybody peace of mind.”

Kwame M.

Susu Circle Organizer

Verified Member

Atlanta, GA

“Our Nigerian-American family pool has 12 members across 4 states. Everyone knows their turn date and nobody has to chase cousin payments.”

Chinwe & Chidi N.

Family Circle Admins

Verified Member

Abuja, Nigeria

“Running our civil service thrift pool used to take hours of manual bank confirmation. Àjọṣe automated the entire verification cycle.”

Fatima Y.

Cooperative Lead

Verified Member

Toronto, Canada

“We organize our quarterly business expansion circle from Ontario. The non-custodial structure is exactly what we needed to trust the platform.”

David O.

Business Circle Member

Verified Member

Frequently Asked Questions

Ready to secure your Ajo group?

Upgrade from stressful WhatsApp groups and manual ledgers to Àjọṣe. Turn by turn, no wahala.

Create a Group Free

Because life is turn by turn, Ajose makes sure yours comes.

Run your Ajo. Track every round. Trust every naira. Ditch messy WhatsApp groups and handwritten ledgers for an automated, transparent contribution platform built for Nigeria.

CBN-Regulated Settlement via Paylode PSSP

•

Mono Open Banking (NDPR Compliant)

•

100% Non-Custodial Direct Pass-Through

Key Capability

WhatsApp GroupsTraditional Peer Thrift

Solo AppsIsolated Personal Lock

Àjọṣe PlatformAutomated Rotational Engine

Rotating Lump-Sum Payout

Get large capital multiplier on your assigned turn

High Default RiskPeople vanish after collecting

No (Solo Only)Save alone with zero leverage

Automated & EnforcedGuaranteed turns with identity locks

Automated Bank Sweeps

Morning direct-debit on contribution date

Manual TransfersFake receipt screenshots & drama

Automated DebitDebited into company omnibus pool

Direct Open-BankingAutomated via Mono (NIBSS rail)

Defaulter Protection

Sanctions when a member misses their turn payment

None (Endless Wahala)Damaged relationships & lost money

N/ANo peer group accountability

Credit Score PenaltyNationwide blacklist & 15% fine

Fund Custody & Safety

Where your contributions are held

Admin Personal AcctRisky phone custody with organizer

Corporate OmnibusFintech company holds the funds

100% Non-CustodialDirect pass-through to collector

Organizer Monetization

Commission for running circles

Awkward DeductionsManual cuts cause group suspicion

0% Admin CutPlatform keeps all yield & spread

0–15% Automated CutVerified earnings paid directly to Admin

Because life is turn by turn, Ajose makes sure yours comes.

Group Roster

Admin Projected Earnings

How Àjọṣe Works

STEP 1

Create Group

STEP 2

Members Join

STEP 3

Contribute

STEP 4

Payout

Engineered for Trust & Transparency

Immutable Records

Everything in one place

Tech Savers Circle

How Àjọṣe Compares to WhatsApp Groups & Solo Apps

Simple, Transparent Pricing

Flexible Circle Plans

What Happens If Someone Doesn’t Pay?

Automated Retry Sweeps

Credit Bureau Score Degradation

Automated Fallback Notifications

15% Penalty Redistribution

Turn Your Community into Sustainable Revenue

Bank-Grade Security

Automated Fraud Prevention

100% Mobile Ready

Loved by Communities

Bisi A.

Emeka O.

Tola F.

Dr. Kunle A.

Kwame M.

Chinwe & Chidi N.

Fatima Y.

David O.

Bisi A.

Emeka O.

Tola F.

Dr. Kunle A.

Kwame M.

Chinwe & Chidi N.

Fatima Y.

David O.

Bisi A.

Emeka O.

Tola F.

Dr. Kunle A.

Kwame M.

Chinwe & Chidi N.

Fatima Y.

David O.

Frequently Asked Questions

Ready to secure your Ajo group?

Because life is turn by turn, Ajose makes sure yours comes.

Group Roster

Admin Projected Earnings

How Àjọṣe Works

STEP 1

Create Group

STEP 2

Members Join

STEP 3

Contribute

STEP 4

Payout

Engineered for Trust & Transparency

Immutable Records

Everything in one place

Tech Savers Circle

How Àjọṣe Compares to WhatsApp Groups & Solo Apps

Simple, Transparent Pricing

Flexible Circle Plans

What Happens If Someone Doesn’t Pay?

Automated Retry Sweeps

Credit Bureau Score Degradation

Automated Fallback Notifications

15% Penalty Redistribution

Turn Your Community into Sustainable Revenue