Ajo. Esusu. Tontine. — Now Digital.
Ajody is the WhatsApp-native AI savings platform built for Nigerians at home and in Germany. No app download. No stress. Just your circle, secured.
Who We Are
To digitize the traditional ajo savings system for Nigeria and the diaspora - making group savings secure, transparent, and accessible through WhatsApp, so every circle can save together without fear of fraud.
To become the most trusted financial infrastructure for African informal savings - building the credit identity layer that turns a generation of disciplined savers into a generation of the financially included.
Save the Ajody WhatsApp number on your phone and send "Hi". Remedy — your AI group admin — welcomes you instantly in your chosen language.
Start your own ajo circle or join one with an invite code. Set your contribution amount, frequency, and saving purpose.
Remedy sends automatic reminders, tracks payments via Paystack, and triggers your payout when it is your turn — securely and on time.
Your AI group admin handles reminders, defaulter follow-ups, and payment confirmations so the group admin never has to chase anyone again.
Contributions go through Paystack — a licensed payment processor. Your admin never holds the money. Payouts go directly to the recipient.
Members choose their preferred collection month. Need July for your rent? Tell Remedy. She checks availability and locks it in for you.
Save in Naira in Nigeria. Save in Euros in Germany. Remedy speaks English, Deutsch, and Nigerian Pidgin.
Every on-time contribution builds your Ajody credit score. Your track record follows you across every group you join.
No strangers joining with a borrowed invite code. Every new member request goes to the admin for approval first.
"I watched Nigerians run the most disciplined savings system in the world — on paper, on trust, on faith. I built Ajody to give that system the infrastructure it deserves."
I am a Nigerian professional living and working in Germany at Tesla's Gigafactory Berlin. I grew up watching Nigerians run ajo groups with nothing but notebooks, WhatsApp chats, and personal relationships.
When I saw how often that trust was broken — admins disappearing, members ghosting after collecting their payout — I decided to build the solution. Ajody is built by someone who understands both the Nigerian and German markets from lived experience, not from a boardroom.
I do ajo for almost everything — rent, school fees, foodstuff, even wigs. Without ajo I no fit survive abeg. It is proper planning and better preparation.
I am an ex ajo admin. They will stress you with your money. Some will not pay on time, some will run away. The emotional labour was unsustainable.
This guy collected his own money and ghosted everyone. Almost one million naira. The admin had to pay from her own salary. Thank God she knew his office.
Ajody takes 1% when your payout reaches you. Nothing before. Nothing if your circle does not complete.
On a ₦100,000 payout, that is ₦1,000 — capped at ₦5,000 however large your circle. Less than the cost of one circle that never finished.
Nobody at Ajody. Every naira is processed by Paystack, a CBN-licensed payment service provider. Ajody never takes custody of your funds — which means there is no one to disappear with them.
Every member completes NIN verification before joining a circle. You are saving with identified people, not phone numbers.
Remedy sends automatic reminders before and on the due date, then follows up privately if a payment is missed. The group admin is alerted so they can reach out — admins know their members; we do not interfere in that relationship.
What we do is make lateness cost something. Every member carries an Ajody credit score. Lateness lowers it. Default at twenty-one days flags their NIN-verified identity in our permanent defaulter records, blocks them from Roll It Forward, and follows them into every future circle they try to join.
Yes. Your position is agreed when the circle forms and visible to everyone from day one. Need your money in December? Take December.
Neither. Ajody is software that helps a group coordinate savings they organise among themselves. We do not lend, we do not accept deposits, and we promise no returns. Your money is your own contributions, returned to you on your turn.
Circles work because members can be trusted. Ajody grows through people vouching for people, not advertising. One code, one person.
Save the number. Send Hi. Remedy handles everything else. No app download, no registration form, no bank visit.
Open Ajody on WhatsAppSend "Hi" to get started · It's free