How GFW works
Three simple steps to start saving with your community.
Create or Join a Circle
Start a thrift group with people you trust, or join an existing circle in your community. Set your contribution amount and cycle frequency.
Contribute Each Cycle
Pay your fixed amount every cycle. Contributions are held securely and tracked transparently for all members to see.
Collect Your Pot
When your turn comes, receive the full collected amount from all members. Build your savings systematically over time.
Frequently Asked Questions
What is GFW?
GFW (also called Ajo) is a traditional Nigerian communal thrift savings system. Members contribute a fixed amount each cycle and take turns receiving the total pot. It's built on trust and community.
How is my money protected?
Contributions are held in a secure escrow until payout time. Funds are released only to the designated recipient when the cycle closes.
What if a member doesn't pay?
Members with missed payments receive automatic reminders. Their trust score is affected, and circle leaders can set policies for handling defaults.
Can I join multiple circles?
Yes. You can be a member of as many circles as you can manage. Your dashboard tracks all your active circles and contribution schedules.