Ajo · Esusu · Thrift

Your ajo, on a ledger nobody can argue with

Fixed contributions, a rotation order drawn in the open, and a record of exactly who paid and when. No exercise book, no “who has not paid?” in the group chat, and nothing resting on one person’s word.

Everyone sees the same board

Paid and outstanding, per member, per round.

Your slot, your business

Save toward a round privately. Others only ever see Paid or Pending.

Payouts need two officers

Released against the ledger, and recorded against a reference.

Start a thrift circle

A thrift circle belongs to one of your Circles, so it inherits its members and officers.

Frequency

Contribution up to