Target and general plans
Save toward a defined goal, or keep a general plan running on a daily, weekly, or monthly rhythm.
Company
Ajo, built for how Nigeria already saves.
Subtech Ajo Solution is the company behind AjoFlow. We digitise rotating and personal savings so groups and individuals can contribute on schedule, see every naira, and get paid out without chasing records on paper.
A passbook you can audit
Every contribution is recorded. Nothing is guessed, and payout history stays in one place.
Payouts to your bank
When a cycle completes, funds go to a verified bank account through licensed payment partners.
KYC and encryption
Accounts are verified, traffic is encrypted, and payout details are checked before money moves.
How we operate
Ajo is already how millions of people in Nigeria save together. We did not invent the circle — we made the bookkeeping, reminders, and payouts run on a schedule you can inspect.
AjoFlow is a software platform, not a bank. Contributions and payouts move through licensed payment partners. You must be 18 or older and complete KYC before full payout access.
The product is sponsored by AMK 69 Project 1. Public policies are on our Terms of Service and Privacy Policy pages.