Because life is turn by turn, Ajose makes sure yours comes.
Àjọṣe helps groups run Ajo (esusu, susu, adashi) without the chasing. Contributions are collected automatically by bank debit through Mono. Once NIBSS settles the funds, the payout is credited to the member whose turn it is. Every round is recorded on a ledger the whole group can see.
Group Roster
October Payout Cycle
Organizer Commission
Example₦450,000
Illustrative example across 3 circles at 5% rate*
*Example simulation only. Actual organizer earnings depend on circle size and organizer terms.
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
Direct Debit
Automated sweeps collect contributions effortlessly on schedule.
STEP 4
T+1 Payout
Mono auto-disburses pooled funds directly to the turn recipient.
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.
Audited Records
Total transparency for every member.
- Cryptographically verified contribution logging
- Real-time Open-Banking payment verification
- Exportable, transparent ledger history
Everything in one place
A beautifully designed dashboard to manage every aspect of your Ajo group.
Tech Savers Circle
October Round 4 of 10
TOTAL MEMBERS
12 Savers
NEXT PAYOUT
Oct 15 (₦1.2M)
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 | Mono Auto-Disburse (T+1)Guaranteed turns with automated payout |
Automated Bank Sweeps Morning direct-debit on contribution date | Manual TransfersFake receipt screenshots & drama | Automated DebitDebited into company omnibus pool | Mono Direct DebitAutomated sweeps via NIBSS rail |
Defaulter Protection Sanctions when a member misses their turn payment | None (Endless Wahala)Damaged relationships & lost money | N/ANo peer group accountability | Platform Trust PenaltyCircle suspension & agreed late fee |
Fund Custody & Safety Where your contributions are held | Admin Personal AcctRisky phone custody with organizer | Corporate OmnibusFintech company holds the funds | Automated PayoutsDoesn't hold onto group funds |
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
Open-Banking Protection fee • 0% on member debits
0% payout fees! Auto-debit via Mono
0% payout fees! Daily thrift micro-debit
What Happens If Someone Doesn’t Pay?
Every rotational circle is protected by automated enforcement rails.
- 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
Trust Score Reduction & Circle Restriction
The defaulter’s Àjọṣe Trust Score is penalized, freezing them from joining or creating other circles on the platform.
- 3
Automated Fallback Notifications
Instant 1-click fallback bank transfer link sent directly via SMS and WhatsApp.
- 4
Circle-Agreed Late Fee Compensation
Organizer-defined late settlement fees are applied and distributed directly to compensate the affected circle turn recipient.
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.
You choose your rate (0% to 15%) upon circle creation. Deducted automatically upon payout.
~₦1,800,000 illustrative annual estimate*
No subscription fee • Free to create • Automated settlement
*Illustrative simulation only, not a guaranteed return or income claim. Actual earnings depend on circle size, member counts, and the commission percentage set by the organizer.
AES-256 Data Protection
Your data and payment commands are secured with AES-256 encryption and powered by licensed CBN Open Banking partners (Mono).
Default Prevention Protocols
Our built-in Àjọṣe Trust Score and BVN identity verification screen participants before they join trusted circles.
100% Mobile Ready
Manage your group from anywhere on any phone. No need to carry paper ledgers or cash envelopes.
Designed for How Communities Save
From family circles and diaspora savings to alumni funds and workplace thrift pools, Àjọṣe removes manual tracking, awkward WhatsApp follow-ups, and settlement delays.
Cross-Border Family Circles
Keep family savings coordinated across London, Atlanta, Toronto, and Lagos. Members contribute via secure Open Banking while turn recipients collect their pot directly in Naira.
Salary-Aligned Thrift
Synchronize monthly rotations with payday. Automated direct debits ensure colleagues never miss a contribution, keeping workplace relationships free of financial friction.
High-Volume Capital Pools
Manage high-value pots with total accountability. A transparent live roster and 2-way payout handshake ensure everyone sees who has contributed before the turn advances.
Daily & Weekly Thrift
High-frequency micro-rotations built for traders and cooperative members. Automated morning sweeps with flat ₦100 or ₦300 fees eliminate cash handling risks.
Frequently Asked Questions
Everything you need to know about automated sweeps, BVN verification, turn payouts, and multi-tier default protection on Àjọṣe.
Turn-by-turn contribution,
in your pocket.
Take your contribution circle wherever you go. Track turns on the fly, automate daily and monthly sweeps seamlessly, and get real-time payout notifications directly to your phone.
Ready to secure your Ajo group?
Upgrade from stressful WhatsApp groups and manual ledgers to Àjọṣe. Turn by turn, no wahala.