Modern Digital Group Savings
The smarter way to manage group savings
Create trusted savings circles, invite members, and automatically track every contribution with dedicated virtual accounts powered by Kredar.
What to know
All you need to know about Ajo Vault
We simplify how traditional community saving pools work by making them safer, clearer, and completely automatic for everyone involved.
ContributionSuccess
₦50,000
01
Automatic Tracking
Say goodbye to paperwork. Every contribution is instantly recorded so everyone stays updated without manually checking tabs.
02
Real-Time Status
Check your group progress, see who is next in line for the money, and monitor group balances 24/7.
Wema Bank
9023 4810 59Ajo Vault - Circle #4
03
Dedicated Virtual Account
Each saving circle gets a unique dedicated bank account number. Make direct bank transfers to fund your contributions instantly.
Next PayoutRound 3
KO
04
Fair Payouts
The system automatically schedules rotations so the right person gets their total lump sum right on time on their payout date.
Txn #AJO-9082Verified
+₦250k
05
Transparent History
Look back at any past cycles or historic payments whenever you want. A clear ledger keeps everyone honest.
Ajo Vault Lock
AES-256
06
Secure Infrastructure
Built using modern security frameworks so your collective group money stays fully locked up and secure.
The Process
How it works from start to finish
A simple, step-by-step user flow of how your group savings run automatically.
STEP 1
Create Circle
Set up your savings group, pick how much everyone contributes, and decide the payout order.
STEP 2
Invite Members
Send a quick invite link to your trusted circle so they can join instantly.
STEP 3
Contribute Funds
Members securely transfer their savings share directly from any banking app.
STEP 4
Automatic Payout
When the cycle ends, the total lump sum goes directly to that month's recipient.
Dashboard Preview
See your savingscircle in action
Track contributions, monitor payouts, and stay connected with your savings circle all from one beautiful dashboard.
Questions
Frequently Asked Questions
Have questions about rotations, security, or accounts? Here is everything you need to know.
Ajo is a traditional group savings system where members contribute a fixed amount on a regular schedule, and one member receives the total payout each cycle. Ajo Vault brings this trusted system online with automatic payment tracking and dedicated virtual accounts.
Each savings circle follows a predetermined payout schedule agreed upon by its members. Once contributions for a cycle are completed, the scheduled recipient receives that cycle's payout.
Members can easily see contribution statuses in real time. If someone misses a scheduled payment, the platform flags it immediately so the group can take action based on the rules agreed upon for that savings circle.
Yes. You can create or join multiple savings circles at the same time, making it easy to save separately for different goals such as rent, business, travel, or family projects.
Security is one of our top priorities. Every member receives a dedicated virtual account, payments are securely processed through our infrastructure, and all contribution records are automatically tracked for complete transparency.
Ready to Start Your Savings Circle?
Bring your trusted community savings group online. Enjoy transparent tracking, dedicated virtual accounts, and automated payouts effortlessly.
Step 1 of 6
Member
A member sends their contribution from any Nigerian bank using their dedicated account number.
Current Status
Payment Started