</noscript><nav class="navbar navbar-expand-lg fixed-top py-3 py-lg-2"><div class="container-fluid"><div class="container-lg d-flex justify-content-between align-items-center"><a style="cursor:pointer" class="nav-brand d-flex-inline align-items-center" href="https://ajo.money/"><img src="https://res.cloudinary.com/ajomoney/image/upload/v1661657808/website/logo_xpdxdw.png" width="155.5" alt=""/></a><button class="navbar-toggler p-0 ms-auto" type="button" data-bs-toggle="offcanvas" data-bs-target="#mobileMenu" aria-controls="mobileMenu"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 16 16" color="#000" style="color:#000" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path fill-rule="evenodd" d="M2.5 12a.5.5 0 0 1 .5-.5h10a.5.5 0 0 1 0 1H3a.5.5 0 0 1-.5-.5zm0-4a.5.5 0 0 1 .5-.5h10a.5.5 0 0 1 0 1H3a.5.5 0 0 1-.5-.5zm0-4a.5.5 0 0 1 .5-.5h10a.5.5 0 0 1 0 1H3a.5.5 0 0 1-.5-.5z"></path></svg></button><div class="d-none d-lg-flex navbar-collapse ms-lg-5 mt-4 mt-lg-0" id="navbarText"><ul class="navbar-nav mb-2 mb-lg-0 ms-lg-5"><li class="nav-item mx-lg-4"><div class="dropdown"><a class="nav-link dropdown-toggle" href="#" role="button" id="products-dropdown" data-bs-toggle="dropdown" aria-expanded="false">Products <svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 24 24" color="#BDBDBD" style="color:#BDBDBD" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M16.293 9.293 12 13.586 7.707 9.293l-1.414 1.414L12 16.414l5.707-5.707z"></path></svg></a><div class="dropdown-menu dropdown-menu-lg pt-0 pb-4 pb-lg-0" aria-labelledby="products-dropdown"><div class="row"><div class="col-12 col-md-6 col-xl-3 pb-xl-4"><div class="ps-4 pb-3 pt-4"><h5 class="nav-dropdown-heading mb-3">Savings and Credit</h5><ul class="list-group"><li class="list-group-item px-0"><a class="text-decoration-none d-flex" href="https://ajo.money/rotating-savings"><i class="me-2 d-flex align-items-center"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2722%27%20height=%2719%27/%3e"/></span><img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Frotating.c6c38b01.png&w=32&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Frotating.c6c38b01.png&w=48&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Frotating.c6c38b01.png&w=48&q=75" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></i> <!-- -->Rotating group savings</a></li><li class="list-group-item px-0"><a class="text-decoration-none d-flex" href="https://ajo.money/personal-savings"><i class="me-2 d-flex align-items-center"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2722%27%20height=%2722.93%27/%3e"/></span><img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fpersonal.ccfd7135.png&w=32&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fpersonal.ccfd7135.png&w=48&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fpersonal.ccfd7135.png&w=48&q=75" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></i> <!-- -->Personal savings</a></li><li class="list-group-item px-0"><a class="text-decoration-none d-flex" href="https://ajo.money/thrift-contributions"><i class="me-2 d-flex align-items-center"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2722%27%20height=%2723.31%27/%3e"/></span><img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fthrift.6dde1e50.png&w=32&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fthrift.6dde1e50.png&w=48&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fthrift.6dde1e50.png&w=48&q=75" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></i> <!-- -->Thrift contribution</a></li></ul></div></div><div class="col-12 col-md-6 col-xl-3 pb-xl-4"><div class="ps-4 pb-3 pt-4"><h5 class="nav-dropdown-heading mb-3">Wallet</h5><ul class="list-group"><li class="list-group-item px-0"><a class="text-decoration-none d-flex" href="https://ajo.money/send-and-receive-money"><i class="me-2 d-flex align-items-center"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2722%27%20height=%2723.28%27/%3e"/></span><img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fsend.5c0c41e3.png&w=32&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fsend.5c0c41e3.png&w=48&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fsend.5c0c41e3.png&w=48&q=75" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></i> <!-- -->Send and receive money</a></li><li class="list-group-item px-0"><a class="text-decoration-none d-flex" href="https://ajo.money/airtime-and-data"><i class="me-2 d-flex align-items-center"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2722%27%20height=%2725.5%27/%3e"/></span><img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fairtime.dea39eb8.png&w=32&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fairtime.dea39eb8.png&w=48&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fairtime.dea39eb8.png&w=48&q=75" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></i> <!-- -->Airtime and data</a></li><li class="list-group-item px-0"><a class="text-decoration-none d-flex" href="https://ajo.money/utility-bills"><i class="me-2 d-flex align-items-center"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2722%27%20height=%2728%27/%3e"/></span><img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Futility.fb6fb74e.png&w=32&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Futility.fb6fb74e.png&w=48&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Futility.fb6fb74e.png&w=48&q=75" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></i> <!-- -->Utility bills</a></li></ul></div></div><div class="col-12 col-md-6 col-xl-3 pb-xl-4"><div class="ps-4 pb-3 pt-4"><h5 class="nav-dropdown-heading mb-3">Investment</h5><ul class="list-group"><li class="list-group-item px-0"><a class="text-decoration-none d-flex" href="https://ajo.money/investment-clan"><i class="me-2 d-flex align-items-center"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2725.86%27%20height=%2724%27/%3e"/></span><img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fgroup.1c4d452f.png&w=32&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fgroup.1c4d452f.png&w=64&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fgroup.1c4d452f.png&w=64&q=75" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></i> <!-- -->Investment clan</a></li></ul></div></div><div class="col-12 col-md-6 col-xl-3"><div class="ps-4 pb-3 pt-4 h-100 company"><h5 class="nav-dropdown-heading text-dark mb-3">Company</h5><ul class="list-group"><li class="list-group-item py-1 ps-0"><a class="text-decoration-none" href="https://ajo.money/about-us">About Us</a></li><li class="list-group-item py-1 ps-0"><a class="text-decoration-none" href="https://ajo.money/about-us#our-story">Our Story</a></li><li class="list-group-item py-1 ps-0"><a class="text-decoration-none" href="https://ajo.money/about-us#our-team">Our Team</a></li></ul></div></div></div></div></div></li><li class="nav-item mx-xl-4"><div class="dropdown"><a class="nav-link dropdown-toggle" href="#" role="button" id="platforms-dropdown" data-bs-toggle="dropdown" aria-expanded="false">Platforms <svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 24 24" color="#BDBDBD" style="color:#BDBDBD" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M16.293 9.293 12 13.586 7.707 9.293l-1.414 1.414L12 16.414l5.707-5.707z"></path></svg></a><ul class="dropdown-menu px-4 pb-xl-4" aria-labelledby="platforms-dropdown"><li class="list-group-item px-0"><a class="text-decoration-none d-flex" href="https://ajo.money/agents"><i class="me-2 d-flex align-items-center"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2722%27%20height=%2724%27/%3e"/></span><img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fagents.532175c2.png&w=32&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fagents.532175c2.png&w=48&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fagents.532175c2.png&w=48&q=75" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></i> <!-- -->For Agents</a></li><li class="list-group-item px-0"><a class="text-decoration-none d-flex" href="https://ajo.money/partners"><i class="me-2 d-flex align-items-center"><span style="box-sizing:border-box;display:inline-block;overflow:hidden;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;position:relative;max-width:100%"><span style="box-sizing:border-box;display:block;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0;max-width:100%"><img style="display:block;max-width:100%;width:initial;height:initial;background:none;opacity:1;border:0;margin:0;padding:0" alt="" aria-hidden="true" src="data:image/svg+xml,%3csvg%20xmlns=%27http://www.w3.org/2000/svg%27%20version=%271.1%27%20width=%2722.97%27%20height=%2719.5%27/%3e"/></span><img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%"/><noscript><img srcSet="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fdevs.d0703661.png&w=32&q=75 1x, /_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fdevs.d0703661.png&w=48&q=75 2x" src="/_next/image?url=%2F_next%2Fstatic%2Fmedia%2Fdevs.d0703661.png&w=48&q=75" decoding="async" data-nimg="intrinsic" style="position:absolute;top:0;left:0;bottom:0;right:0;box-sizing:border-box;padding:0;border:none;margin:auto;display:block;width:0;height:0;min-width:100%;max-width:100%;min-height:100%;max-height:100%" loading="lazy"/></noscript></span></i> <!-- -->Developers</a></li></ul></div></li><li class="nav-item mx-xl-4"><a class="nav-link" aria-current="page" href="https://ajo.money/faqs">FAQs</a></li><li class="nav-item mx-xl-4"><a href="https://blog.ajo.money" target="_blank" class="nav-link">Blog</a></li></ul><span class="navbar-text ms-auto d-flex"><a href="https://ajomoney.page.link/launch" class="btn def-a btn-primary d-block d-md-inline nav-btn-clr rounded-5">Get Started</a></span></div></div></div></nav><div class="offcanvas offcanvas-start d-lg-none" tabindex="-1" id="mobileMenu" aria-labelledby="offcanvasExampleLabel"><div class="offcanvas-header"><a style="cursor:pointer" class="nav-brand d-flex-inline align-items-center" href="https://ajo.money/"><img src="https://res.cloudinary.com/ajomoney/image/upload/v1661657808/website/logo_xpdxdw.png" width="155.5" alt=""/></a><button type="button" class="btn-close" data-bs-dismiss="offcanvas" aria-label="Close"></button></div><div class="offcanvas-body p-0"><div class="px-3 mt-4"><ul class="navbar-nav mb-2 mb-lg-0 ms-lg-5"><li class="nav-item mx-lg-4"><a class="nav-link d-flex justify-content-between align-items-center" href="#" role="button" id="products-dropdown">Products <svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 320 512" color="#BDBDBD" style="color:#BDBDBD" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 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class="nav-item"><a href="https://blog.ajo.money" target="_blank" class="nav-link">Blog</a></li></ul><span class=" nav-item ms-auto"><a href="https://ajomoney.page.link/launch" class="btn def-a btn-primary d-block nav-btn-clr rounded-5">Get Started</a></span></div></div></div><section class="d-flex align-items-center py-5 pt-md-8" style="background-color:#daff8e"><div class="container-fluid px-4 px-md-0 py-5 pt-md-0"><div><div class="container"><div class="row justify-content-center"><div class="col-md-10 col-xxl-9"><h1 class="mb-3 text-center service-a-title">Digitizing the centuries-aged rotating savings and credit association (ROSCA).</h1><p class="text-center mb-4">The biggest problem in our society today is money, we’ve heard narratives that it was never the problem centuries ago because of community financing and trust built through collective savings and credit.</p></div></div></div></div></div></section><section class="container-fluid py-5 py-md-8"><article class="container"><div class="row align-items-center justify-content-between"><div class="col-md-6 col-lg-5 text-center text-md-start"><h2 class="mt-4 mb-3 my-md-0 service-a-title">Mission and Vision</h2><p>We are on a mission to promote financial inclusion and alleviate poverty in Africa through community financing and cooperative banking.</p><p>Our vision is to become a platform and an infrastructure for community financing through digital rotating savings, credit and collective investment.</p></div><div class="col-md-6"><img src="/img/about/sales-img.png" alt="" class="img-fluid"/></div></div></article></section><section class="About_storySection__MNNYo" id="our-story"><article class="container-fluid py-5 py-md-8"><div class="container"><div class="row justify-content-end"><div class="col-md-6 text-white text-center text-md-start"><h2 class="mt-4 mb-3 my-md-0 service-a-title">Our Story</h2><p>AjoMoney was officially founded in September 2021 to help millions of Africans get out of poverty and bad debts through community financing.<!-- --> </p><p>We started by digitizing the centuries-aged rotating savings and credit association (ROSCA) where groups of people can form a community to save money and rotate credit collection.<!-- --> </p><p>In 2022, we introduced collective investment by making it possible for groups of people to invest together and share the returns proportionally. This is very more efficient than investing alone.</p><p>We’ve extended our solution to be available for cooperatives, thrift agents, businesses (SMEs) and even developers (partners).</p></div></div></div></article></section><section id="our-team"><article class="container-fluid py-md-8"><div class="container pt-5 pt-md-0"><div class="row justify-content-center"><div class="col-md-9 text-center"><h2 class="mt-4 mb-3 my-md-0 service-a-title">Our Team</h2><p class="mb-5">We are obsessed with making an impact. We are headquartered in Lagos, Nigeria and built a team of passionate and talented finance professionals, engineers, legal professionals and customer success expert who has experience spanning across global brands.</p><img src="/img/about/team-vector.png" alt="" class="About_teamVector__rEUud"/><img src="/img/about/team.png" alt="" class="img-fluid"/></div></div></div></article></section><div class="container-fluid"><section id="downloadAjoMoney" class="container pt-md-8 pb-5 mt-5"><article class="DownloadAjoMoney_iphone12Container__zWUHe"><div class="row justify-content-md-between"><div class="col-lg-5 text-center text-lg-start pt-5 pt-lg-0 px-xl-5 mb-3 mb-lg-0 position-relative"><img src="https://res.cloudinary.com/ajomoney/image/upload/v1661662441/website/iphone-12-mini-mobile_yhmslg.png" width="50%" class="d-lg-none mx-auto"/><img src="https://res.cloudinary.com/ajomoney/image/upload/v1661662457/website/iphone-12-mini_zajwma.png" width="100%" class="DownloadAjoMoney_iphone12__HHlGp"/></div><div class="col-lg-6 text-center text-lg-start px-30 px-lg-0 pb-5 pb-lg-0 d-flex flex-column justify-content-center"><h2 class="mb-2 position-relative service-a-title"><span class="position-relative">Join<!-- --> <img src="/img/home/home-5-underline.png" alt="" class="position-absolute home-5-underline"/></span> <!-- -->AjoMoney</h2><p class="DownloadAjoMoney_para__bcBfU">Become financially free and included when you build credit through flexible savings such as rotating group savings and thrift contribution with collective investment.</p><div class="d-flex d-md-block justify-content-center"><a href="https://ajomoney.page.link/launch" target="_blank" class="download-app d-inline-flex me-md-4"><span class="ms-2">Get started</span> </a></div><div class="d-none"><a target="_blank" class="download-app d-inline-flex align-items-center justify-content-center me-md-4"><span class="ms-2">Coming soon</span> </a></div></div></div></article></section><section class="container-fluid px-3 px-md-0 pb-0 pt-2 mt-5 mb-5 mt-md-0" id="slider-container"><article class="container mb-0 mb-md-5"><div class="text-uppercase mb-2 text-center swiper-section-title mt-md-4">As featured in</div><div class="my-xl-5 my-4 text-center" style="display:flex;flex-wrap:wrap;flex-direction:row;width:100%;justify-content:center"><a href="https://disrupt-africa.com/2022/08/23/nigerias-ajomoney-is-digitising-centuries-old-savings-processes-and-seeing-strong-growth/" target="_blank" class="mb-3 mx-4"><img src="https://res.cloudinary.com/ajomoney/image/upload/v1661692831/website/blogs/DA-logo-on-transparent-with-tag-small-e1414593297539_corjtv.png" height="60px" alt=""/></a><a href="" target="_blank" class="mb-3 mx-4"><img src="https://res.cloudinary.com/ajomoney/image/upload/v1661692739/website/blogs/2882303763932039806_ifttqr.webp" height="60px" alt=""/></a><a href="https://stamp.ng/nigerias-31-fastest-growing-credit-startups/" target="_blank" class="mb-3 mx-4"><img src="https://res.cloudinary.com/ajomoney/image/upload/v1661693010/website/blogs/Stamp-Social-Pic_paffh9.png" height="60px" alt=""/></a><a href="" target="_blank" class="mb-3 mx-4"><img src="https://res.cloudinary.com/ajomoney/image/upload/v1661692047/website/blogs/cdp_logo_pqaxvy.svg" height="60px" alt=""/></a><a href="https://www.benjamindada.com/migration-entrepreneurship-prize-2022/" target="_blank" class="mb-3 mx-4"><img src="https://res.cloudinary.com/ajomoney/image/upload/v1661692037/website/blogs/DB_white_logo_on_black_iv9cte.png" height="60px" alt=""/></a></div></article></section></div><footer class="container-fluid mt-4 mt-md-0 pt-5"><div class="container"><div class="row pt-2"><div class="col-6 col-xl-3 mb-4 mb-xl-0"><h6 class="mb-3 service-a-title">Features</h6><ul class="list-group"><li class="list-group-item px-0 py-0 py-xl-1"><a class="text-decoration-none" href="https://ajo.money/rotating-savings">Rotating group savings</a></li><li class="list-group-item px-0 py-0 py-xl-1"><a class="text-decoration-none" href="https://ajo.money/thrift-contributions">Thrift contributions</a></li><li class="list-group-item px-0 py-0 py-xl-1"><a class="text-decoration-none" href="https://ajo.money/personal-savings">Personal savings</a></li><li class="list-group-item px-0 py-0 py-xl-1"><a class="text-decoration-none" href="https://ajo.money/investment-clan">Investment clan</a></li></ul></div><div class="col-6 col-xl-3 mb-4 mb-xl-0"><h6 class="mb-3 service-a-title">Company</h6><ul class="list-group"><li class="list-group-item px-0 py-0 py-xl-1"><a class="text-decoration-none" href="https://ajo.money/about-us">About</a></li><li class="list-group-item px-0 py-0 py-xl-1"><a class="text-decoration-none" href="https://ajo.money/contact-us">Contact</a></li><li class="list-group-item px-0 py-0 py-xl-1"><a href="https://ajomoney.notion.site/AJOMONEY-PRIVACY-POLICY-680243bf6ea74d61af9800f539ff3b87" target="_blank" class="text-decoration-none">Privacy policy</a></li><li class="list-group-item px-0 py-0 py-xl-1"><a href="https://ajomoney.notion.site/AjoMoney-Terms-of-Service-bef6d65a90164cf181ff523fdf27fcec" target="_blank" class="text-decoration-none">Terms of service</a></li></ul></div><div class="col-6 col-xl-3 mb-5 mb-xl-0"><h6 class="mb-3 service-a-title">Platforms</h6><ul class="list-group"><li class="list-group-item px-0 py-0 py-xl-1"><a class="text-decoration-none" href="https://ajo.money/agents">Agents</a></li><li class="list-group-item px-0 py-0 py-xl-1"><a class="text-decoration-none" href="https://ajo.money/partners">Developers</a></li></ul></div><div class="col-6 col-xl-3 mb-5 mb-xl-0"><h6 class="mb-3 service-a-title">Contact</h6><div class="mt-4"><a href="https://linkedin.com/company/ajomoney" class="text-decoration-none me-4" target="_blank"><svg stroke="currentColor" 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67.7-9.9 93.9-36.2 26.2-26.2 34.4-58 36.2-93.9 2.1-37 2.1-147.8 0-184.8zM398.8 388c-7.8 19.6-22.9 34.7-42.6 42.6-29.5 11.7-99.5 9-132.1 9s-102.7 2.6-132.1-9c-19.6-7.8-34.7-22.9-42.6-42.6-11.7-29.5-9-99.5-9-132.1s-2.6-102.7 9-132.1c7.8-19.6 22.9-34.7 42.6-42.6 29.5-11.7 99.5-9 132.1-9s102.7-2.6 132.1 9c19.6 7.8 34.7 22.9 42.6 42.6 11.7 29.5 9 99.5 9 132.1s2.7 102.7-9 132.1z"></path></svg></a><a href="https://twitter.com/ajo_money" class="text-decoration-none" target="_blank"><svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 512 512" color="#4f4f4f" style="color:#4f4f4f" height="25" width="25" xmlns="http://www.w3.org/2000/svg"><path d="M459.37 151.716c.325 4.548.325 9.097.325 13.645 0 138.72-105.583 298.558-298.558 298.558-59.452 0-114.68-17.219-161.137-47.106 8.447.974 16.568 1.299 25.34 1.299 49.055 0 94.213-16.568 130.274-44.832-46.132-.975-84.792-31.188-98.112-72.772 6.498.974 12.995 1.624 19.818 1.624 9.421 0 18.843-1.3 27.614-3.573-48.081-9.747-84.143-51.98-84.143-102.985v-1.299c13.969 7.797 30.214 12.67 47.431 13.319-28.264-18.843-46.781-51.005-46.781-87.391 0-19.492 5.197-37.36 14.294-52.954 51.655 63.675 129.3 105.258 216.365 109.807-1.624-7.797-2.599-15.918-2.599-24.04 0-57.828 46.782-104.934 104.934-104.934 30.213 0 57.502 12.67 76.67 33.137 23.715-4.548 46.456-13.32 66.599-25.34-7.798 24.366-24.366 44.833-46.132 57.827 21.117-2.273 41.584-8.122 60.426-16.243-14.292 20.791-32.161 39.308-52.628 54.253z"></path></svg></a></div><div class="mt-2" style="font-size:14px;color:#4f4f4f"><a href="mailto:contact@ajo.money" class="d-block">Email: contact@ajo.money</a><a href="tel:0700-AJOMONEY" class="d-block">Phone: 0700-AJOMONEY</a></div></div></div><div class="row pt-2 mt-3"></div><hr/><p class="d-none mt-4 mb-2" style="font-size:13px;line-height:28px">The website www.ajo.money and the AjoMoney mobile & web apps are properties of AjoPay Financial Technology Limited, a company registered under the Nigeria Corporate Affairs Commission with RC Number: 1780015 to carry out the business of rotating savings, investment and credit while leverage digital technology to help provide it as a solution.<br/>AjoMoney is not a bank. AjoMoney provides collective savings, credit and investment service in Nigeria through AjoPay Multipurpose Cooperative Society Limited registered under CAP: NO 98 of Nigerian Co-operative Societies ACT/2004 with cerfified no. FCTA/ARDS/COOP/2019/2334.<br/>AjoMoney’s services are only available to Nigerians. Investment and banking related products on AjoMoney are offered through affiliates and licensed third party partnerships.</p><div class="my-3" id="google_translate_element"></div><p class="mt-4 mb-5">© <!-- -->2024<!-- --> AjoMoney</p></div></footer></main></div><script id="__NEXT_DATA__" type="application/json">{"props":{"pageProps":{}},"page":"/about-us","query":{},"buildId":"LUteJdJMy15mmQc9i1wMg","nextExport":true,"autoExport":true,"isFallback":false,"locale":"ng","locales":["ng","rw"],"defaultLocale":"ng","domainLocales":[{"domain":"ajo.money","defaultLocale":"ng"}],"scriptLoader":[]}</script></body></html>