Built for communal thrift
Everything you need to manage Ajo circles — from contribution tracking to secure payouts.
Ajo Circles
Create or join thrift groups with people you trust. Each circle has a fixed contribution amount and cycle schedule.
Flexible group sizesContribution Tracking
Transparent ledgers show every payment in real time. No more chasing people for money.
Real-time updatesSmart Reminders
Automated alerts before contribution deadlines. Members never miss a payment.
Never miss a cycleSecure Escrow
Funds are held safely until payout time. Both the circle and individual members are protected.
Protected fundsTrust Scoring
Build your reputation through consistent contributions. Higher trust scores unlock larger circles.
Build credibilityPayout Notifications
Get notified when it's your turn to collect, when contributions are due, and circle milestones.
Stay informedPopular Circle Types
Communities already saving together on GFW.
Family Circle
Save together with relatives for school fees, holidays, and family projects.
Market Women Circle
Traders pooling resources to restock inventory and expand their businesses.
Office Colleagues
Coworkers building an emergency fund through structured weekly contributions.
Community Development
Neighborhood groups saving for local infrastructure and community events.