Built for Nigerian contribution groups

Every naira in the pot, tracked to the kobo.

Ajo turns the exercise book and the WhatsApp group into one ledger. Log contributions, see who's collecting next, and settle disputes before they start.

₦2.4M+Tracked this cycle
860Active groups
0Missed payouts
💰
₦25,000
contribution logged
✅
Tunde confirmed
2 min ago
Ade
Chi
Bola
Femi
Zara
Musa
This round's pot ₦450,000 Chioma is collecting
MARKET WOMEN COOPERATIVE — lagos CIVIL SERVANTS AJO — abuja OKADA RIDERS UNION — ibadan TRADERS THRIFT CIRCLE — onitsha TECH WORKERS AJO — lagos CHURCH WELFARE GROUP — port harcourt MARKET WOMEN COOPERATIVE — lagos CIVIL SERVANTS AJO — abuja OKADA RIDERS UNION — ibadan TRADERS THRIFT CIRCLE — onitsha TECH WORKERS AJO — lagos CHURCH WELFARE GROUP — port harcourt
The ajo cycle

One round, four moves — same as it's always been.

Ajo already has its own order: everyone contributes, one person collects, and the wheel turns. We just keep score so no one has to remember it alone.

01

Members contribute

Everyone pays their fixed amount into the round. Ajo logs it the moment it's marked paid.

02

Ledger updates live

The whole group sees who's paid, who hasn't, and the running total — no more screenshots.

03

Turn is confirmed

Ajo tracks whose turn is next automatically, so the order is never in dispute.

04

Pot is collected

The member receives the full pot, it's marked settled, and the wheel moves to the next name.

Why groups switch

Everything the exercise book couldn't do.

Built with the people who actually run these groups — organizers who were tired of chasing payments in a notebook.

📒

Automatic ledger

Every contribution is time-stamped and attached to a member. Nothing gets written over or torn out.

🔔

Payment reminders

Ajo nudges members before a contribution is due, and flags anyone who falls behind.

🔄

Rotation scheduling

Set the order once. Ajo tracks whose turn is next and moves the pot automatically each round.

📊

Group statistics

See total saved, average contribution, and payout history for the whole group at a glance.

🤝

Member trust record

A running history of who pays on time — useful when a new member wants to join the group.

🔐

Built on MySQL

Your group's records live in a real database, not a chat thread that scrolls away.

860+
Groups on Ajo
₦180M
Total contributions tracked
99.8%
Payouts settled on time
14
States represented
"

Before Ajo, I was the one keeping every record in my head. Now the group can see for themselves who has paid — nobody argues with me anymore.

FO
Funmilayo O.
Organizer, Market Women Cooperative — Lagos
Round 7 — Ajo Circle₦450,000 pot
Adebayo T.Paid
Chioma N.Paid
Bolanle A.Paid
Musa I.Due Fri
Zainab K.Due Fri

Your group already trusts each other. Now give them the record to prove it.

Free for groups up to 15 members. No card required to start a cycle.