Save Together.
Grow Together.
A smarter way to run your Ajo or Esusu with friends, family, coworkers, and communities. No more chasing payments. No more missing records. No more disappearing treasurers.
Built for
Traditional Ajo is built on trust.
Trust isn't always enough.
Treasurer disappears
One person holds everyone's money, and everyone's trust.
Missed contributions
No system to catch who's behind until it's too late.
No payment reminders
People forget, and the group quietly falls apart.
Manual record keeping
A notebook or a chat thread isn't a ledger.
Money disputes
"I paid already" becomes a fight with no proof either way.
No transparency
Members can't see the pool, the order, or where things stand.
The solution
Meet PayAjo.
Every member gets a personal wallet, every group gets a dedicated pool ledger, and every contribution is tracked automatically — so trust is backed by a system, not just a promise.
Group pool
₦0
12 members · Round 5 of 12
How it works
Six steps to your first payout.
Create your account
Sign up in minutes with your email and phone number.
Verify your identity
Quick BVN verification keeps every group member accountable.
Create or join a savings group
Start your own circle or join one with an invite code.
Fund your wallet or transfer directly
Top up your wallet, or pay a contribution straight from your bank.
Track contributions
See who's paid, who's pending, and where the pool stands — live.
Receive your payout securely
When it's your turn, funds land straight in your bank account.
A credit score for community savings.
In traditional Ajo, the biggest point of failure is trust — one member who defaults or pays late ruins the schedule for everyone downstream. The risk score quantifies that trust using real payment history, so it never has to be a guess.
Admins make better decisions
See a member's risk badge before approving them into a group, so chronic defaulters never jeopardize the cycle.
Safer swaps and delegations
Before swapping a payout cycle with someone, check their score — never trade a guaranteed payout for a risky one.
Encourages good behavior
Because the score is visible to admins, members are incentivized to pay on time and protect their standing.
Sample member
Chidi E.
Low riskRisk badges
Every user starts neutral at 50, then earns their standing.
New members start with a default score until they complete a few cycles. From there, the score is recalculated automatically every time they make a contribution.
Low risk
Highly trustworthy
Medium risk
Average
High risk
Frequent missed or late payments
Everything you need
One app, every part of your Ajo.
Personal Wallet
Deposit once. Pay contributions seamlessly across all your savings groups.
Group Chat
Built-in chat with image sharing to stay connected with group members.
Smart Reminders
Timely push alerts so you never miss a contribution deadline.
BVN Verification
Identity verification so you only save with people you can trust.
Transaction History
Every payment is recorded, timestamped, and visible to all members.
Invite Code
Join private or public savings groups instantly with a simple code.
Cycle Swapping
Trade payout turns effortlessly with another member when life happens.
Payout Delegation
Send your payout directly to a friend or family member's wallet.
Automated Payouts
Instant bank disbursement as soon as a round completes — zero manual chasing.
Auto-Debit
Enable automatic wallet debiting before deadlines so no member defaults.
Gemini AI Pidgin Reminders
Friendly automated reminders powered by Gemini AI in local Pidgin English for market traders & everyday savers.
FAQ
Questions? We've got answers.
Create or join a savings group, agree on a contribution amount and frequency, and each round every member contributes into the pool. One member receives the full payout each round, rotating until everyone has been paid.
Yes. Contributions and wallet balances sit in bank-partnered virtual accounts, every member is BVN-verified before joining a group, and every payment is confirmed with your transaction PIN.
You can send a Cycle Swap request to swap turns with another willing member in your group. Once approved by the member and admin, your payout positions are swapped seamlessly.
Members can enable Auto-Debit so contributions are automatically paid from their wallet before the deadline. Admins can also trigger instant push reminders to anyone who owes.
A dedicated virtual bank account number tied to your personal wallet. Transfer any amount to it from any bank app, and it lands in your PayAjo wallet automatically.
Yes — once you've set up a payout bank, your wallet balance can be withdrawn anytime, straight to your bank account.
Yes. BVN verification is required for every member so groups stay secure and everyone in the circle is a verified real person.
Each round's contributions are pooled together. The member whose turn it is — set when the group starts, either randomized or in a manual order — receives the full pool as an automated payout straight to their bank account.
No hidden fees. Creating groups, joining groups, and receiving payouts are completely free.
Yes. You can belong to as many savings groups as you like, each with its own contribution amount, frequency, and payout schedule.
Ready to modernize your savings group?
Join thousands running their Ajo the smarter way — transparent, automatic, and always on time.