Save Together,
Collect the Full Pot
Join a circle of trusted members. Drop your share every round, and collect the whole lump sum when it's your turn. Simple as your neighbourhood Ajo — but faster, safer, and always on time.
Free to join · No hidden fees · Cancel anytime
How Ajo Works in 4 Steps
Just like the Ajo you know — but automatic, safe, and always on time.
Create Account
Sign up free in 2 minutes. Just your name, phone, and email — that's all.
Join an Ajo Circle
Browse open circles. Pick daily, weekly or monthly — at any amount that suits you.
Drop Your Payment
Pay from your wallet every round. One tap and you're done. No chasing, no wahala.
Collect Your Money
When your round comes, the full pot drops straight to your bank. Simple!
Built for the Way Nigerians Save
Everything that makes Ajo work — and none of the painful parts.
Automatic Deductions
No more chasing members for money. Payments are scheduled and deducted automatically.
Full Transparency
Every contribution and payout is recorded in a ledger every member can see. No secrets.
Instant Bank Payout
When your turn comes, the full amount goes straight to your bank account. No delays.
Hold Multiple Hands
Put in 2 or 3 hands in one circle to collect a bigger payout when your turn comes.
WhatsApp Support
Chat with the admin directly on WhatsApp. One tap and your problem is solved fast.
Works on Any Phone
Optimised for all phones — Android, iPhone, or basic smartphones. Add to home screen.
What Our Members Say
"Before I use CashFlow, my Ajo person use to carry our money. Now everything is on my phone. When my turn reach, the money enter my account by morning. I tell all my market friends!"
"I was skeptical at first — how can I trust an app with my Ajo money? But after my first collection of ₦80,000, I never looked back. The record of every payment is there for all to see."
"Our salon group of 12 ladies been running Ajo for 3 years with a notebook. Since we moved to CashFlow, not one fight about money! The system handles everything automatically."
Ready to Start Your Ajo Circle?
Join thousands of Nigerians saving smart, collecting fast, and building real wealth together.