Onchain rotating savings circles for everyday communities. AjoClub brings the trusted Ajo/Esusu/Chama model to MiniPay — trustless, transparent, and powered by real Mento stablecoins.
To make trustless group savings accessible to every community on MiniPay — starting with the Ajo/Esusu/Chama model that millions already use, and building the financial infrastructure that makes it work without a middleman.
Rotating savings circles (Ajo in Nigeria, Esusu in West Africa, Chama in Kenya) are how millions of people save and access capital outside formal banking. But they run entirely on trust — one bad actor can drain the pot and disappear. There's no enforcement, no transparency, and no record. The organizer carries all the risk, members have no guarantee, and disputes are settled by whoever shouts loudest.
AjoClub moves the savings circle onchain. Members form a club, agree on a fixed cUSD/cEUR/cKES contribution per cycle, and the smart contract handles everything — collecting contributions, enforcing the round-robin payout schedule, and releasing funds only when all members have paid. Self Protocol gates membership so every participant is a verified unique human, eliminating bots and duplicate accounts. No banker. No trust required. Just the contract.
Protocol fee model — AjoClub takes a small percentage (1-2%) of each payout as a platform fee, sustaining development while keeping the product free to create and join clubs.
Want to grow through just grant funding