Proof of every deposit
An instant SMS receipt lands on your phone — kept forever.
TTrustee · SMS
Deposit ₦500. Balance ₦42,500.
🇳🇬 Now in CalabarThe Ajo you trust,
The Ajo you trust,
now with proof.
Every deposit sends an instant SMS receipt — and your money stays safe in a registered cooperative.
Are you an Ajo collector? Register as an agent →
What you get
Simple savings, real proof
Most requested
Know who owes you
M₦2,500
Mama Nkechi
Reminder sent
E₦1,800
Emeka O.
Held safely
In a registered cooperative — not loose cash.
+₦500
₦42,500
Check anytime
Coming soon
Builds toward credit
The more you save, the stronger your Trust Score.
How it works
The same Ajo — just four simple steps
Nothing changes about your routine. We just add the proof.
Start saving- 01
Save as always
Give your daily contribution to your collector.
- 02
Get instant proof
An SMS receipt lands on your phone.
- 03
Track it grow
Check your balance anytime you want.
- 04
Collect your money
Receive your full payout at the end.
Your money, protected
Safe — and you can prove it
Held in Crystal Multipurpose Cooperative's account.
Every deposit recorded, with an SMS receipt as proof.
If a collector leaves, your savings stay yours.
3.3%
Same commission you already pay
Instant
SMS receipt per deposit
24/7
Balance you can check
100%
Of your savings, recorded
Are you an Ajo collector?
Register as an agent, bring your members onto one simple tool, and keep your commission.
Register as an agentQuestions
Your concerns, answered
Where is my money kept?
In a registered cooperative society's bank account. You save as a member.
Is this a bank?
No — a cooperative-backed savings platform. Not a bank.
Does it cost extra?
You pay the same small commission (about 3.3%). No hidden charges.
No smartphone?
No problem. Your collector records your savings and you still get SMS receipts.
What if my collector disappears?
Your savings are recorded and backed by the cooperative. Your money stays yours.
Do you give loans?
Not yet — the more you save, the more you build toward future credit.
Start today
Create your account in minutes
Whether you save or collect, sign up and start with proof from day one.
Already have an account? Log in
