Questions, answered.

Everything you need to know before you get started — and if your question isn't here, reach out and we'll help.

An Ajo is a trusted community savings tradition: a group of people contributes a fixed amount on a regular schedule, and each member receives the full pot when their turn in the rotation comes. Ajo Cloud brings that tradition online with a transparent, automatic schedule.

Your group agrees on the order when the group is created. The full rotation is generated and locked in advance — it can't be quietly changed. Swaps between members are possible, but only with both parties' explicit approval, and every change is recorded.

Every naira is recorded on an immutable, append-only ledger. Balances are derived from those entries, not edited like a spreadsheet. Add verified KYC, idempotent transactions, and full audit trails, and you have a system designed so money can't quietly go missing.

Akawo is Ajo Cloud's personal savings product. You create a goal — flexible, target, or locked — and save toward it at your own pace, with clear progress and a full statement of every contribution.

Food Ajo lets trusted coordinators run group food procurement: members pool contributions, buy quality food in bulk at locked prices, and get it distributed to the community. Bill Payment lets you pay airtime, data, electricity, and more — all with clear receipts and audit history.

We're in the final stages of development. The app will be available on the App Store and Google Play very soon — tap any download button to join the waitlist and we'll let you know the moment it's live.