Free
One small circle trying Ajora.
₦0/month
Free forever
Start free- 1 circle
- Up to 15 members
- Transfer and USSD matching
- Two-officer approval
For market associations and co-ops
Your ajo,
minus the wahala.
Ajora collects every hand by transfer, USSD or cash, matches each naira to the right member, and pays out with two officers signing off. No paper card. No “abeg, who paid?”
free for one circle of 15 · no card needed
Bank transferUSSDPOS agentCash to collectorWhatsApp receiptsSMS remindersTwo-officer approval
four steps, every week
Same ajo you trust. Without the Friday headache.
- 01
Collect
Members pay how they already pay: transfer, USSD, POS or cash to a collector, even with no signal.
- 02
Match
Every naira is matched to the right member and week, by narration, phone number and amount.
- 03
Approve
When the hand is complete, one officer requests the payout and a second approves it.
- 04
Pay out
The pot leaves your own bank account and every member gets a receipt in their language.
scroll small...
From paper card to proper ledger
Before
The card in the treasurer's handbag
IRETI AJO — wk 14 ✍️
- Bisi100k ✓ (transfer)BI
Bisi
₦100,000 · Transfer · matched
- Chidi100k ✓CH
Chidi
₦100,000 · USSD · matched
- Ronke100k?? check bankRO
Ronke
₦100,000 · Transfer · matched by narration
- Amakapaid 2 wksAM
Amaka
₦200,000 · POS · weeks 14 and 15
- Emeka50k, owes 50kEM
Emeka
₦50,000 · Part payment · reminder sent
- Titicash to TundeTI
Titi
₦100,000 · Cash via collector · receipt sent
how the pot moves
Everybody gets their turn. Nobody skips the queue.
Set the order once and everyone agrees to it. Each week, when all 12 hands are in, the pot goes to the next person, and the wheel shows exactly who has collected.
- Hand
- ₦100,000
- Pot
- ₦1,200,000
- Members
- 12
Week 3 collects
Ronke Adeyemi
Fabrics
in their own language
Receipts land on WhatsApp before the shop opens
Every member picks a language. Officers keep working in English. Members without WhatsApp get the same messages by SMS.
IT
Ireti Traders Ajo
via Ajora · verified
TODAY
Good morning Ronke! We don collect your ₦100,000 for week 14. Thank you well well.08:12
Ehen! E don enter. Thank you 🙏08:13
✓ ₦1,200,000 · Week 14Your week 14 money, ₦1,200,000, don land for your account. Funmi and Alhaji Sani approve am.10:42
No forget: next week ₦100,000 go due before Thursday.18:00
Translations are placeholders for review by native speakers.
do the maths
How big is your pot?
Your payout
₦240,000
12 members × ₦20,000 every week
You collect on
13 Nov 2026
week 5 of 12, if you start Oct 16
Ajora plan
Free
Free, forever
Notes from the treasurers
“Fridays used to be six hours with the paper card and a calculator. Now I check one screen and approve.”
Funmi AdebayoTreasurer, Ireti Traders“Our members are in three towns. Ajora gave every one of them the same book.”
Ngozi EzePresident, Ezinne Women's Co-op, Enugu“Two officers approve every payout. That one rule ended our worst quarrels.”
“I log cash in the shed with no signal. It syncs when I reach the gate.”
no hidden charges
Priced for a market, not a bank
Market
A row or line running its own ajo.
₦7,500/month
Billed monthly
Choose Market- 3 circles
- Up to 60 members each
- Offline collector app
- WhatsApp and SMS receipts
- Reminders in 5 languages
Association
A whole market union or co-op.
₦25,000/month
Billed monthly
Choose Association- Unlimited circles
- Up to 500 members each
- POS agent collections
- Emergency loans from the pot
- Audit trail export
Federation with branches in many towns? Talk to our Lagos team. Paid plans start with a 30-day trial.
You go ask am. We don answer.
Still unsure? Our Lagos team picks up by phone or WhatsApp on business days.
Does Ajora hold our money?
No. Members pay into your association's own bank account and payouts leave from it. Ajora reads the transactions, keeps the book, and only starts a payout after two officers approve.
Our members don't all have smartphones.
That's fine. They can pay by transfer, USSD, at a POS agent or in cash to a collector, and receipts arrive by SMS if they don't use WhatsApp.
What if someone forgets the reference?
Ajora checks the bank narration, the sender's phone number and the amount. If it's not sure, the payment waits for an officer to confirm with one tap.
Can we bring our old paper card?
Yes. Send a photo of the card or a spreadsheet and we'll load your members, the rotation and what everyone has paid so far.
What happens when someone pays late or only part?
Part payments are recorded as they are and the balance shows against that member. Reminders go out in their language at a time your officers choose.
Can we leave and take our records?
Any time. Export the full ledger, rotation and audit trail as a spreadsheet or PDF.
oya, let's go
Run this Friday's payout on Ajora
Load your members, link the association account, and send the first receipts before the next hand is due.
Your money stays in your association's own bank account.