Institutional-Grade Security
Your savings are protected by rigorous identity verification, an immutable ledger system, and strict credit penalty enforcement.
End-to-End Encryption
All financial data and personal information is encrypted both in transit and at rest using AES-256 standards. We never store raw banking credentials.
Identity Verification
Every member on Àjọṣe must pass our strict Know Your Customer (KYC) protocols using valid BVN before they can join an active savings group.
The Ajo Credit Penalty System
Trust is the foundation of cooperative savings. To protect the pool, we enforce a strict penalty system:
Defaulting on a payment results in an immediate -50 point penalty to your global Ajo Credit Score.
Users with poor credit scores are automatically restricted from joining premium or high-value groups.