Your savings
circle, on-chain.
Ajo lets you save with friends — everyone puts in the same amount, one person gets the pot each round. No bank. No spreadsheets. Just the blockchain keeping things fair.
$0
in fees, forever
USDC
stable currency
Open
source code
Good morning 👋
Amara
Total saved so far
$4,820
3 active circles
You're up next!
Lagos Traders — $1,200 coming your way
My Circles
Lagos Traders
6/8 saved this round
Abuja Builders
3/5 saved this round
On-chain
Stellar Soroban
3,000+
years of Ajo & Esusu tradition, now on-chain
100%
of every pot goes to members — we take nothing
5 sec
average time to settle a payout on Stellar
Why Ajo
A savings club that actually works.
Ajo and Esusu have existed for generations. We just removed the part where you have to trust someone with the money.
01
Everyone gets their turn
The rotation is set on day one — no one skips ahead, no one gets left out. When it's your round, the full pot drops straight into your wallet.
02
The contract does the chasing
Forget reminding people to pay. A smart contract tracks who's paid and who hasn't. Nobody can quietly disappear with everyone's money.
03
Built around your life
Weekly, fortnightly, monthly — you decide. Small group of four or a big one of twelve. Set it up the way it makes sense for your people.
The process
Simple enough to explain in four steps.
No jargon. No hidden rules. Just a rotation that keeps going until everyone has had their turn.
You set it up
Pick an amount, a frequency, and how many slots. Takes about 90 seconds.
Your people join
Share the circle link. When all the slots fill, it starts on its own — no manual kick-off.
Everyone pays in each round
Same amount, same day. The contract holds the money until every person has contributed.
The pot goes to whoever is next
When the round closes, the whole pot moves automatically. Then it repeats until everyone has received.
Example — 4 friends, $100 each
Each person pays $400 total ($100 × 4 rounds) and receives $400 once. Everyone ends up even — but one person got their money early.
Ready when you are.
No sign-up. No KYC. Just connect your Stellar wallet and start saving with your people.