a neo-cooeperative

Build credit , when you save and invest.

To provide access to interest-free credit, we digitized the centuries-aged ROSCA (ajo/esusu/adashe) to help build credit by collectively saving money and making early investment.

Get started

Best way to
save money.

You can save money in group with peers and rotate collection or save alone for up to 10% interest or join a thrift contributions that get you ready for raining days.

Checkout thrift

Invest early
and ahead.

With early access to a rotating savings collection, you can invest your money in valuable assets for up to 15% ROI per annum in a clan. Also, you get to build credit when you invest.

See investment clan

Interest free
credit.

Not an instant loan, but why stay broke because you are saving money. Get early collection in a rotating group savings (ajo, esusu or adashe) or get additional credit when withdrawing your thrift savings. We also offer ‘buy now pay later’ credits to members.

See rotating savings
financial inclusion

Built for Everyone

Partners API

Savings and credit as a service API for developers and businesses. Launch your savings and credit platform or solution. Help your users build credit for saving.

Cooperative

Turn your cooperative into a neo-bank, grow when you help your members grow with improved, thrift savings and loan management.

Business

Sell to AjoMoney consumers and your existing customers, offer buy now pay later and also access thrift savings, investment and credit to grow your business.

Mobile Agents

Make money as an agent when you help people sign-up, perform thrift contribution and access credit. Help the unbanked become banked

Partners API

Savings and credit as a service API for developers and businesses. Launch your savings and credit platform or solution. Help your users build credit for saving.

Cooperative

Turn your cooperative into a neo-bank, grow when you help your members grow with improved, thrift savings and loan management.

Business

Sell to AjoMoney consumers and your existing customers, offer buy now pay later and also access thrift savings, investment and credit to grow your business.

Mobile Agents

Make money as an agent when you help people sign-up, perform thrift contribution and access credit. Help the unbanked become banked.

AjoMoney Virtual USD/NGN Card

Pay Installmentally at over 1000 Stores when you checkout with our virtual cards. Also build credit when you pay your subscriptions with it.

Create a free account

Download AjoMoney

Become financially free and included when you build credit through flexible savings such as ajo/esusu savings and thrift contribution with collective investment.