</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 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z"></path></svg></a></li><li class="nav-item"><a class="nav-link d-flex justify-content-between align-items-center" href="#" role="button" id="platforms-dropdown">Platforms <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 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z"></path></svg></a></li><li class="nav-item"><a class="nav-link" aria-current="page" href="https://ajo.money/faqs">FAQs</a></li><li 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="container-fluid pt-5" style="background-color:#FFEDE9"><article class="container pt-5 pt-md-3 text-center text-md-start"><div class="row justify-content-between"><div class="col-md-5 mt-5 my-md-auto mx-xl-0"><p class="text-uppercase aj-text-primary mb-2" style="font-weight:500;color:#FF2E21">thrift contributions</p><h1 class="mb-3 hero-title">Digital Thrift Contributions.</h1><p class="m-0">Earn up to 18% interest p.a when you save daily, weekly or monthly in a thrift contribution plan. Get access to micro-loans at 0% APR.</p><a href="#downloadAjoMoney" class="ThriftContributions_ctaBtn__pGp_r"><span class="me-2">Create a free account</span> <svg stroke="currentColor" fill="currentColor" stroke-width="0" viewBox="0 0 448 512" color="#fff" style="color:#fff" height="1em" width="1em" xmlns="http://www.w3.org/2000/svg"><path d="M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z"></path></svg></a></div><div class="col-md-6 text-center pt-5 mx-auto px-xl-5 px-0 my-auto"><img src="/img/thrift/thrift-hero-bg.png" alt="" class="img-fluid mx-auto my-auto"/></div></div></article></section><section class="container-fluid py-5 py-md-8"><article class="container pt-3 pt-md-0"><div class="row"><div class="col-md-10 col-xl-9 text-center text-md-start"><h2 class="service-a-title mb-2">Interest-free loan, while earning interest on savings.</h2><p class="mb-5">Are you an entrepreneur or individual with a seemingly stable source of income? Save and earn interest while you become credible for loans.</p></div></div><div class="row"><div class="col-md-4 mb-5 mb-md-0"><div class="ThriftContributions_featurette__KgxL5"><img src="/img/thrift/thrift-card-1.svg" alt="" class="mb-3"/><h3 class="ThriftContributions_featuretteTitle__4hjwy">Save money</h3><p class="ThriftContributions_featuretteText__VRm2s">With a thriftWith thrift contribution, you can easily save your money on schedule based on the plan you opted to. You can even automate your savings.</p></div></div><div class="col-md-4 mb-5 mb-md-0"><div class="ThriftContributions_featurette__KgxL5"><img src="/img/thrift/thrift-card-2.svg" alt="" class="mb-3"/><h3 class="ThriftContributions_featuretteTitle__4hjwy">Earn Interest</h3><p class="ThriftContributions_featuretteText__VRm2s">Up to 18% interest p.a on all your savings as it accumulates based on your consistent contribution to the thrift plan.</p></div></div><div class="col-md-4 mb-5 mb-md-0"><div class="ThriftContributions_featurette__KgxL5"><img src="/img/thrift/thrift-card-3.svg" alt="" class="mb-3"/><h3 class="ThriftContributions_featuretteTitle__4hjwy">Micro-loan</h3><p class="ThriftContributions_featuretteText__VRm2s">Access micro-loan at 0% interest to urgently meet up needs that can help your life plans and goals.</p></div></div></div></article></section><section class="container-fluid mb-5 pb-3 pb-md-0"><article class="container pt-3 pt-md-0"><div class="row justify-content-between"><div class="col-md-6 mb-5 mx-auto mb-md-0"><img src="/img/thrift/thrift-1.png" alt="" class="img-fluid mx-auto my-auto"/></div><div class="col-md-6 col-xl-5 pt-3 pt-md-0 mx-auto my-auto text-center text-md-start"><p class="ThriftContributions_pItalic__0p5Hx">Here’s Hassan</p><h4 class="ThriftContributions_h4__Hez0D">He just got <!-- -->₦200,000<!-- --> interest-free loan via thrift contribution</h4><p class="sectionBDesc">In October 2021, Hassan tested the thrift contribution on AjoMoney in private beta. He is an agro-farmer making <!-- -->₦150,000<!-- --> to<!-- --> <!-- -->₦200,000<!-- --> monthly income. He joined the<!-- --> <!-- -->₦50,000<!-- --> monthly contribution with the plan to restock with the savings. In 6 months, i.e April, 2022, he has saved<!-- --> <!-- -->₦300,000<!-- --> and was able to get additional<!-- --> <!-- -->₦300,000<!-- --> in credit from AjoMoney at 0% interest.</p></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" 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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":"/thrift-contributions","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>