Four trusted ways to save & pay.
Every Ajo Cloud product is built on the same promise: transparent, auditable, and fair. Pick the one that fits how your community already saves — or use them all together.
Rotating savings groups
Ajo
Start or join a fixed-amount Ajo group. Contribute every cycle and receive the full pot when it's your turn — on schedule, every time.
- 1 pot — per cycle, one member at a time
- Locked — rotation generated in advance
- 2-way — approval for every slot swap
Personal savings goals
Akawo
Flexible, target, or locked savings goals for anything that matters. Set a target and watch it grow at your own pace.
- 3 ways — flexible, target & locked goals
- Clear — progress on every goal
- Full — contribution statements
Group food procurement
Food Ajo
Pool contributions with trusted coordinators to buy quality food in bulk at locked prices, and get it delivered to your community.
- Verified — coordinators, reviewed by humans
- Locked — package prices at sign-up
- OTP/QR — confirmed distribution
Everyday bills, one app
Bill Payment
Pay airtime, data, electricity, and more in a few taps — with clear receipts and a full transaction history you can audit.
- One — place for everyday bills
- Receipts — on every payment
- Audited — full transaction history
Your community's savings,
finally in your pocket.
Join the waitlist and be the first to start your Ajo group when the app goes live.
Free to join · No card required · iOS & Android