AjoAI is on-chain infrastructure for autonomous group savings and portable credit reputation on Celo. It turns the rotating savings circle (ajo / esusu / chama / stokvel—"ROSCA"), Africa's most widely used informal financial institution, into composable on-chain primitives: a CircleFactory that deploys non-custodial group-escrow contracts, a pluggable ERC-8004 reputation ledger that issues a portable savings-credit score any protocol can read, pluggable yield and proof-of-personhood interfaces, and standardized agent discovery + query (ERC-8004 agent card + live MCP and A2A endpoints). A non-custodial autonomous agent runs circles on schedule — it can only trigger legal contract transitions, never move arbitrary funds. Live on Celo mainnet.
Make Celo the home base for autonomous group finance—shipping the reusable escrow, reputation, and agent-discovery primitives that let any builder bring trusted, credit-building group savings on-chain for the next billion users.
Hundreds of millions of people across Africa save through rotating savings circles built entirely on personal trust. These circles suffer three chronic failures: members abscond after receiving the pot, payout ordering is opaque and easy to manipulate, and the savings generate zero formal credit history so diligent savers can never borrow against years of proven discipline. There is no shared, portable, on-chain infrastructure for group finance or for the reputation it produces.
AjoAI provides that infrastructure on Celo. Each circle is a non-custodial on-chain escrow spun up by a reusable CircleFactory; an autonomous agent collects fixed contributions in Mento stablecoins, executes the payout rotation on schedule, parks idle funds in yield, and enforces defaults with on-chain penalties; no human needed per cycle, and the agent can never drain funds. Every action writes ERC-8004 reputation, producing a portable savings-credit score other protocols can underwrite against. The factory, reputation ledger, yield/personhood adapters, and agent endpoints (MCP + A2A, discoverable via the ERC-8004 agent card) are use-case agnostic, so other builders can spawn lending pools, insurance mutuals, or escrow networks on the same rails.
Fee-free on the savings flow itself (ROSCA users are fee-sensitive; taxing contributions kills adoption and tx volume). Revenue comes from value we create on top of the flow: (1) a yield split on idle pot funds parked in Celo DeFi — ~10–20% of yield to a protocol treasury, the rest to members (once the Aave V3 adapter ships against our already-shipped pluggable IYieldAdapter); and (2) premium agent endpoints via x402 micropayments — third-party lenders/insurers pay per query to read AjoAI's portable ERC-8004 savings-credit score for underwriting. Long term this is B2B2C: the reputation/credit primitive becomes infrastructure other group-finance and lending agents on Celo pay to consume.
Want to grow through just grant funding
Africa
No equity raised.
