Live on Stellar

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 perfectly fair.

Start a CircleSee open circles

$0

in fees, forever

USDC

stable currency

Open

source code

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.

Live circles

See how it works
in real time.

Every circle is transparent on-chain. Track contributions, payouts, and membership — no trust required.

L

Lagos Savers

Circle #1

Saving now

Full pot payout

$2,400

You save$200
Members8/12
Every30d
Round 5 of 1262% paid
D

Diaspora Circle

Circle #2

Open to join

Full pot payout

$1,500

You save$150
Members4/10
Every30d
F

Family Savings

Circle #3

Saving now

Full pot payout

$600

You save$100
Members6/6
Every30d
Round 3 of 680% paid
Browse all circlesStart your own

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.

1

You set it up

Pick an amount, a frequency, and how many slots. Takes about 90 seconds.

2

Your people join

Share the circle link. When all the slots fill, it starts on its own — no manual kick-off.

3

Everyone pays in each round

Same amount, same day. The contract holds the money until every person has contributed.

4

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

Round 1Amara$400
Round 2Kofi$400
Round 3Fatima$400
Round 4Emeka$400

Each person pays $400 total ($100 × 4 rounds) and receives $400 once. Everyone ends up even — but one person got their money early.

Peace of mind

No awkward reminders. No missing money.

We’ve taken the traditional savings circle and made it completely stress-free. The system holds everyone's contributions securely and releases them automatically the moment a round completes. You never have to chase anyone for payment again.

  • Automated payouts straight to your wallet
  • Everyone pays the exact agreed amount
  • 100% transparency on who has paid
  • Funds are locked safely until payout day

Payout Sent!

Round 3 completed successfully

Sent to Amara

$1,200

Community

Trusted by circles everywhere.

"We used to track our family savings group in a WhatsApp chat and an Excel sheet. Moving it on-chain with Ajo completely eliminated the awkwardness of reminding cousins to pay."

N

Nneka O.

Family Circle Organizer

"I was skeptical about using crypto for our office Esusu, but having it settle automatically in USDC means we don't worry about inflation or someone forgetting their turn."

K

Kwame A.

Freelance Designer

"The smartest implementation of a traditional savings model I've seen. The smart contract does exactly what a trusted community leader would do, but perfectly and instantly."

S

Sarah J.

Tech Entrepreneur

Questions

Common questions.

The contract locks the funds until all participants for a given round have paid their share. Once the pool is complete, it automatically transfers the total amount to the designated receiver for that round. Nobody can withdraw early or change the order.

The current round remains locked until the payment is made. Since you only invite people you trust (like family and friends) to your circle, social accountability keeps things moving. Future updates will include automated collateral options.

No. Ajo takes zero fees from your savings. You only pay the nominal Stellar network fee (usually a fraction of a cent) to execute the smart contract transaction.

Not at all. You just need a Stellar-compatible wallet like Freighter. We handle the complex smart contract interactions behind a simple, intuitive dashboard.

Ready when you are.

No sign-up. No KYC. Just connect your Stellar wallet and start saving with your people.

Start a CircleOpen Dashboard