A rotating savings circle, run by an agent that can’t be bribed, can’t forget, and never skips your turn.
The job an honest circle organiser does, collecting, paying, remembering, handed to an agent that does it perfectly, every round.
Join inside MiniPay. Agree the amount and the order. No bank account, no paperwork, no app store.
Every round it pulls each contribution in your own stablecoin, NGNm or USDm, automatically if you allow it.
The full pot goes to whoever’s turn it is, the same day, with nothing taken out. Then the seat moves on.
“If you want to go fast, go alone. If you want to go far, go together.”
the proverb AjoAI is built on
“Our market ajo used to live in a notebook one woman carried everywhere. Now nobody argues about who paid. It’s just there, for everyone to see.”
“I joined three circles in a year and never missed a turn. When I asked for a phone loan, my Trust Score did the talking for me.”
“We back savings groups in three countries. AjoAI gives us something we never had: a clean, honest record of who actually saves.”
No seed phrases, no gas in CELO, no jargon. Just your circle, in the currency and language you already use.
No. You join inside MiniPay, the phone wallet you already use, and save in a local stablecoin, NGNm or USDm. No bank, no seed phrase, and gas is paid in stablecoin.
Each member posts a one-round security deposit. If someone misses, that deposit covers the round so the payout still ships in full, on time. Nobody has to chase anybody.
The circle does, when it starts. Once locked, the order can’t be changed by anyone, including us. Your turn is guaranteed.
It’s a portable savings-credit score (ERC-8004) you build by finishing circles on time. It travels with you to lenders, landlords and bigger circles.
Idle contributions are parked in safe reserves, never lent out or gambled. They’re always there for the next payout.
Nothing is skimmed from your pot. You get out exactly what the circle puts in, the full amount, every turn.
In the language, the currency, and the company you already trust.
Open in MiniPay →