AjoFi brings ajo, susu and tontine on-chain. The savings tradition West Africa has trusted for generations — now trustless, transparent, and earning yield.
In Nigeria it is called ajo. In Ghana it is susu. In Francophone Africa it is tontine. Different names. Same idea.
The problem has always been trust — what if the organiser disappears? AjoFi replaces the organiser with a smart contract. Rules are enforced automatically.
From your first deposit to collecting your payout — AjoFi handles everything in between.
Tell AjoFi how much you want to save per round, how many people you want in your group, and for how long.
AjoFi's AI Treasurer scans all open intents and groups people with identical savings goals. Your group forms automatically.
Each member locks collateral (2× their contribution). This protects everyone. Then rounds begin.
Each round, one member receives the full pot plus yield earned by the AI while funds were idle.
Traditional ajo has one weakness — the human organiser. AjoFi replaces them with a smart contract and an AI.
Every member locks 2× their contribution before the group starts. If someone defaults, the group is always covered. Your money is never at risk.
Our AI monitors every group 24/7. It matches members, detects late payments, selects round winners fairly, and deploys idle funds to earn yield automatically.
Idle funds between rounds earn yield on Blend Protocol. Winners receive more than the group contributed — at no extra cost to anyone.
No need to recruit your own group. Set your savings goal and AjoFi finds compatible members automatically. Trustless saving with strangers.
Deposit in NGN or GHS from your bank account or mobile money. Withdraw back to your bank when done. Crypto is invisible.
Every completed round builds your score. Higher score = lower collateral, better group matching, and priority payout order.
Every member signs a smart contract before joining. The rules — including collateral slashing — are agreed to upfront. AjoFi enforces a contract that members consented to, similar to how a bank enforces a loan agreement.
The AI gives grace time for genuine cases and only acts after repeated defaults. Every decision is logged publicly and visible to all group members.
Everything you need to know before you start saving.
Join West Africans building financial security together. Your first group is one click away.
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