Choose your circle plan
Start free. Upgrade as your thrift circles grow.
Starter Circle
For small thrift groups
Perfect for family or small friend groups starting their Ajo journey.
Free
- Basic contribution tracking
- Automated reminders
- Up to 2 active circles
- Member trust scores
Community Circle
For growing thrift groups
For active communities and market groups managing multiple thrift circles.
₦2,500/mo
- Unlimited active circles
- Secure escrow protection
- Advanced analytics
- Priority support
- Custom contribution schedules
Enterprise Circle
For organizations
For cooperatives, microfinance institutions, and organizational savings programs.
₦10,000/mo
- Everything in Community
- Admin dashboard
- API access
- Dedicated support
- Custom branding
- Compliance reporting
Plan Questions
Can I switch plans anytime?
Yes, you can upgrade or downgrade your plan at any time. Changes take effect on your next billing cycle.
Is my money safe?
All contributions are held in secure escrow until payout time. Funds are protected until the cycle closes and the designated recipient collects.
What happens if a member defaults?
Members with missed payments receive automatic reminders. Their trust score is affected, and circle leaders can enforce contribution policies.