Saving toward a goal
Set an amount and a date for rent, school fees, inventory, or a ceremony. Contributions run on a daily, weekly, or monthly rhythm until the target is met.
Digital Ajo • Savings • Payouts
Your Ajo,finally organized.
Save with friends, automate contributions, track every naira, and know exactly when your next payout is due.
- Automated contributions
- Real-time tracking
- Zero missed payouts
9:41
Wallet
Fund your savings
5
Available Balance
History ›₦50,000
Wallet funded
Wallet
Pay Now
Savings
+₦50,000 received
Transfer into wallet complete
HomePassbookSaveActivitySettings
9:41
Pay
Contribute from wallet
5
Paying from wallet
₦50,000
Target savings · Weekly
Due Mar 26
Wallet debit
Contribution
-₦50,000
Saved to target plan
HomePassbookSaveActivitySettings
9:41
Dashboard
Payout on the way
5
Payout sent
+₦600,000 to Access Bank
Recent
See all
Payout
31 Aug
+600,000.00
Savings
31 Aug
-50,000.00
HomePassbookSaveActivitySettings
How it works
How AjoFlow Works
Create a digital Ajo plan — target savings or general savings — then contribute on a schedule, watch the passbook, and get paid out to your bank.
1
Create your account
Sign up in under 2 minutes. Quick KYC keeps your account secure.
2
Create your savings plan
Create target savings or general savings across daily, weekly, or monthly contribution schedules.
3
Automate contributions
Link your bank account, set a schedule — we handle the rest.
4
Track and withdraw on schedule
Monitor contributions in passbook and process payouts with clear bank account records.
No hidden fees. No manual tracking. Read the FAQs or learn more about AjoFlow.
Start savingSavings features
Savings Features
Automate contributions, track Ajo savings, and manage payouts — built around how people in Nigeria already save.
01
Automation
Never miss a contribution
Set your amount and schedule once. Automatic deductions happen on time — daily, weekly, or monthly.
Contribution Schedule
Daily deduction
₦5,000
Weekly deduction
₦25,000
Monthly target
₦100,000
02
Transparency
Digital passbook clarity
See every paid vs. pending cycle in real time — clear records, no guesswork.
Passbook · Month 4
₦150,000 saved
Cycle 1Paid
Cycle 2Paid
Cycle 3Paid
Cycle 4Due
Cycle 5Pending
Cycle 6Pending
03Success
Scheduled payouts
Money lands in seconds
When your payout is due, funds transfer instantly to your verified bank account.
Payout Sent
+₦600,000 to Access Bank
Target Savings Plan
2 min ago
+₦600,000
Why AjoFlow
Why AjoFlow
Your money and data are protected with encryption, KYC, and licensed payment partners — so savings groups can contribute with confidence.
Bank-Level Security
Your funds are held with licensed financial institutions to the highest safety standards.
256-bit Encryption
All data transmitted is encrypted using the highest industry standards.
AI Fraud Protection
Advanced systems monitor every transaction for suspicious activity in real-time.
Verified Accounts
User and payout account details are verified to reduce payout risk.
Secure Vault
Isolated storage
SSL Certified
Encrypted traffic
Biometric Auth
Fingerprint & Face ID
2FA Protected
Multi-factor auth
Verified Secure Platform
Bank-grade infrastructure & 256-bit SSL
Payments by
monicredit
monicreditSSL Secured
Who it's for
Made for how people already save.
Set a target savings goal, keep a general savings plan running, or stop reconstructing payments from chat screenshots — with payouts through a licensed partner.
Keeping a general plan
No single end-goal required. A general plan is ongoing savings you can inspect in the passbook and withdraw according to the plan schedule.
Replacing paper and group chats
Every contribution and payout is recorded. You do not have to reconstruct who paid from screenshots or a notebook when a cycle closes.
What you can verify
AMK 69 Project 1
Proud sponsor
Monicredit
Licensed payments
KYC before payouts
Verified accounts only
256-bit SSL
Encrypted in transit
FAQ
Frequently Asked Questions
The things people ask before they start their first Ajo savings plan.
AjoFlow is a digital Ajo platform for Nigeria. Create target or general savings plans, automate contributions, track every naira in a passbook, and receive scheduled payouts to your verified bank account.
A target plan is built around a specific goal and amount. A general plan is ongoing savings without a single end-goal. Both can run on daily, weekly, or monthly contribution schedules.
Yes. Creating an account and running your savings plans has no hidden platform fees. Payments you make still go through our licensed payment partners and may follow their processing windows.
Link your bank account, choose an amount and frequency, and deductions happen on that schedule. You can monitor every contribution in your passbook so nothing is guessed or missing.
Payouts are processed to your verified bank account according to your plan schedule. Keep your payout account details up to date so transfers are not delayed.
Yes. Transfers use 256-bit SSL encryption, accounts go through KYC, and payout details are verified before money moves. Payments are processed through licensed partners such as Monicredit.
Yes. Quick KYC confirms you are eligible (18+) and reduces payout risk. Some features stay limited until verification is complete.
Anyone 18 or older who can legally open an account in Nigeria. You need a valid bank account for contributions and payouts.