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Ajo · Esusu · Stokvel — one platform

Trust, on rotation.
Savings, in community.

A modern home for the oldest way to save. Run your rotational savings circle with clarity, accountability, and beautiful ceremony — from your phone.

Start a circle Explore public groups
Tiered KYC
Guarantor system
Multi-currency
Cycle 4 of 8
Lagos Traders Circle
Active
Gross pool
₦ 480,000
Service fee (2%)
− ₦ 9,600
Net payout
₦ 470,400
A
Recipient: Member 4
Payout scheduled · Fri, 12 Sept
The stack

Everything a savings circle needs — nothing it doesn't.

Tiered KYC that respects your members
Members verify with basic ID. Group creators clear stricter checks. Super admins can override when trust is already established.
Guarantor system
Existing members vouch for new members — the digital handshake that keeps circles safe.
Any payment gateway
Manual receipts, Stripe, Paystack, and more. Choose per payment. Extensible for local providers.
Rotational slots with transparent payouts
Service fees deducted at the moment of payout. Gross, fee, and net shown to everyone — no surprises.
In-app chat
Anonymous aliases or real names — the group admin decides.
WhatsApp migration
Upload your existing WhatsApp chat export. We extract members and generate invites.
WhatsApp alerts
Read-only bot pings your members about payouts, confirmations, and reminders.
Four steps

From WhatsApp voice notes to a real dashboard.

01
Verify
Complete KYC in under two minutes.
02
Create
Define contribution, frequency, rules, service charge.
03
Invite
Share a link or migrate from WhatsApp.
04
Rotate
Contribute, confirm receipts, and pay out with clarity.
Open circles

Public groups looking for members.

No public groups yet. Be the first — start a circle.

Bring your circle into the light.

Free for admins during our beta. Members join with a link.

Create your circle