Your Ajo Group
Deserves Better
Say goodbye to WhatsApp chaos. Bring your traditional Ajo into the digital age with trust scores, transparent payments, and zero drama.
500+
Active Groups
98%
On-Time Rate
₦2B+
Contributed
0
Defaults
Office Friends Ajo
Cycle 3 of 4
This Month's Pot
₦200,000
Traditional Ajo Is Broken
WhatsApp groups, notebook tracking, and "trust me bro" systems cause endless headaches.
WhatsApp Chaos
Important payment info buried under memes. No way to track who said what.
No Accountability
Members disappear after collecting. Late payments with endless excuses.
Manual Tracking
Treasurer tracks in notebooks. Easy to lose. Constant 'I paid' disputes.
Trust on Rumors
'Someone knows someone.' No objective way to assess reliability.
Trust Scores
Replace Guesswork
Every member gets a quantifiable reliability score (0-100) based on their payment history. No more "someone knows someone" gambles.
Payment Punctuality
On-time payments increase score
Consistency
Never missing payments is crucial
History Length
Longer good behavior = higher trust
Group Participation
Active members score higher
Score Breakdown
90-100
Perfect record. Can start new groups.
70-89
Consistent. Can join most groups.
50-69
Irregular history. Higher deposits.
0-49
Limited options. May be declined.
PRO TIP: New members start at 70. Build your score by paying on time consistently!
How Nalo Fixes Everything
4 powerful features that transform your Ajo from chaos to clarity.
Trust Scores (0-100)
Quantifiable reliability replaces rumors. See exactly who's trustworthy before they join.
- Automatic calculation after each cycle
- Visible to all group members
- Higher scores get priority collection slots
Transparent Tracking
See who paid, who's late, and when collections happen. Upload receipts as proof.
- Real-time payment status dashboard
- Automatic status updates
- Downloadable transaction reports
Smart Reminders
Automated notifications before and after due dates. No more chasing members.
- 3 days, 1 day, and due date alerts
- Escalating overdue reminders
- SMS, email & push notifications
AI Risk Assessment
Machine learning predicts risks and recommends actions to keep your Ajo healthy.
- Weekly group health score
- Early warning for at-risk members
- Optimal group size recommendations
How Digital Ajo Works
Set up in 5 minutes, run effortlessly forever.
Create or Join
Start a new Ajo or join existing groups with invite codes. Set contribution amount and frequency.
Set Group Rules
Define payment deadlines, late penalties, minimum trust scores, and collection rotation order.
Track Contributions
Members pay on schedule and upload receipts. System updates status and calculates trust scores.
Collect Your Turn
When it's your turn, receive the full pot automatically. Download transaction summary.
Power Features for Serious Groups
Dispute resolution, instant notifications, public discovery, and more.
Dispute Resolution
Built-in system to handle payment disputes with evidence uploads, member voting, and admin mediation. No more 'he said, she said' arguments.
Telegram Notifications
Get instant alerts on Telegram for payments, collections, reminders, and group updates. Connect your Telegram bot in 2 clicks.
Public Group Discovery
Find and join public Ajo groups in your area or interest category. Browse verified groups with high trust scores and join safely.
Shareable Join Links
Generate secure invite links to share via WhatsApp, SMS, or email. Set link expiry, member limits, and minimum trust score requirements.
Telegram Bot Integration
Connect your Ajo group to Telegram and receive instant notifications for:
Ajo For Every Situation
From friends to business partners, Nalo handles all types of Ajo groups.
Friends & Family
8 members • ₦50,000/month
Pot Size
₦400,000
Collection
Every 8 months
Common Uses
Weddings, rent, business capital
Trust Strategy: High trust, but Nalo still tracks for accountability
Office Colleagues
12 members • ₦30,000/month
Pot Size
₦360,000
Collection
Once per year
Common Uses
School fees, home improvements, vacations
Trust Strategy: Medium trust, scores crucial for new colleagues
Community Group
20 members • ₦20,000/month
Pot Size
₦400,000
Collection
Every 20 months
Common Uses
Business expansion, medical expenses
Trust Strategy: Low prior trust, scores ESSENTIAL for vetting
Business Ajo
6 members • ₦500,000/month
Pot Size
₦3,000,000
Collection
Every 6 months
Common Uses
Equipment, inventory, property
Trust Strategy: Critical—only 90+ scores accepted
Real Groups, Real Results
Lagos Tech Workers
10 members
Total Collected
₦5,000,000
Cycles
4 completed
"Zero defaults in 4 cycles. Trust scores made all the difference when vetting new members."
Church Women's Group
15 members
Total Collected
₦3,600,000
Cycles
2 completed
"No more WhatsApp arguments about who paid. Everything is transparent and automatic now."
Diaspora Family Ajo
8 members
Total Collected
₦4,800,000
Cycles
3 completed
"Members in Lagos, London, and Houston. Nalo made distance irrelevant. Best decision ever!"
Traditional vs Digital Ajo
Category | Traditional | Nalo Digital |
|---|---|---|
Payment Tracking | Manual notebooks | Digital records, auto-backup |
Member Reliability | Rumors and hearsay | Trust scores (0-100) |
Reminders | Admin chases everyone | Automated notifications |
Disputes | 'I paid' arguments | Receipt uploads, timestamps |
New Members | 'Someone knows them' | Trust score verification |
Late Payments | WhatsApp complaints | Auto penalties + score drop |
Risk Monitoring | React after defaults | AI predicts risks early |
Ajo Groups FAQ
Everything you need to know about digital Ajo
Ajo (also called Esusu, Adashe, or contributory savings) is a traditional Nigerian rotating savings system. A group of people contribute a fixed amount regularly (weekly, monthly), and each member takes turns collecting the full pot. For example: 10 friends contribute ₦50,000 monthly = ₦500,000 pot. Member 1 collects month 1, Member 2 collects month 2, and so on. After 10 months, everyone has collected once, and the cycle can restart.
Trust Scores (0-100) quantify each member's reliability based on: (1) Payment punctuality—on-time payments increase score, late payments decrease it. (2) Payment consistency—never missing a payment is crucial. (3) Group participation—active members score higher. (4) History length—longer good behavior = higher score. 90+ is excellent, 70-89 is good, 50-69 needs improvement, below 50 is high risk.
Nalo has multiple safeguards: (1) Automatic reminders before and after due date. (2) Late payment penalties set by the group. (3) Trust score reduction of 5-30 points depending on severity. (4) Collection delay for late members. (5) Group vote to remove persistent defaulters. AI also flags at-risk members before they default.
Yes! You can be part of multiple groups with different contribution amounts, frequencies, and members. Free plan allows 2 active groups; Premium supports unlimited groups. Nalo's dashboard shows all your groups, upcoming payments, and collection dates in one place.
Starting takes 5 minutes: (1) Create Group with a name. (2) Set contribution amount, frequency, member count, and rules. (3) Invite members via WhatsApp, SMS, or email. (4) Connect bank account for contributions. (5) Launch when all members join. You become admin with group management powers.
Yes! Members contribute to a dedicated group account (not to admin personally). All transactions are recorded and visible. Automated disbursement sends funds directly to the scheduled recipient. Premium groups get escrow protection at partner banks. 256-bit encryption protects all data.
FREE: 2 groups, 10 members max, basic trust scores, manual payment confirmation. PREMIUM (₦10,000/month): Unlimited groups and members, advanced analytics, automatic payment verification, AI risk assessment, escrow protection, legal document generation, priority support.
Absolutely! Nalo works internationally. Diaspora members can pay via international transfers or domiciliary accounts. Collections can be sent to Nigerian or foreign accounts. Trust scores + digital payments make distance irrelevant—your cousin in Lagos and sister in London can be in the same Ajo!
Still have questions?
We're here to help! Get in touch with our support team.