Àjọ is a decentralized group savings protocol that brings traditional thrift systems (àjọ, susu, esusu) to the blockchain. It allows users to create or join group savings contracts that operate on weekly or monthly cycles, using stablecoins and smart contracts to automate contributions and payouts — no intermediaries, no trust required. Àjọ is financial cooperation, reimagined for Web3.
We are on a mission to decentralize group savings and empower communities globally by turning traditional thrift systems into secure, automated, and accessible Web3 experiences.
Millions of people rely on informal rotating savings groups to build capital, but these systems depend heavily on trust, are prone to mismanagement, and are often inaccessible or inefficient. In Web3, there’s no widely adopted, culturally grounded alternative for collective saving.
Àjọ removes the need for trust by automating thrift groups with smart contracts. Anyone can create or join a group, define a schedule (weekly/monthly), and contribute funds in stablecoins. Payouts are automatically rotated to group members per cycle until the group completes — secure, transparent, and borderless.
Àjọ follows a freemium + fee-based business model: Freemium Access: Users can create or join basic savings groups for free to build trust and adoption. Premium Features: Groups can unlock features like automated payout prioritization, DAO governance, notifications, and analytics via a small fee. Protocol Fees: Àjọ takes a minimal percentage (e.g., 0.5%–1%) from group contributions for protocol maintenance and sustainability. Partnership Revenue: Collaborations with wallets, remittance platforms, and community DAOs to enable embedded Àjọ savings modules. Our model focuses on scaling community access first, then capturing value through optional upgrades and ecosystem partnerships.
Want to grow through just grant funding
Global, with initial cultural focus in Africa and the diaspora
$0 USD Àjọ Savings is currently bootstrapped by the founding team. We are actively exploring grants and aligned investors to support development, audits, and community activation.