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You have a 24-hour grace period after the due date. After that, a 5% late fee is added. Consistent missed payments affect your trust score and may result in circle membership review.

You have a 24-hour grace period after the due date. After that, a 5% late fee is added. Consistent missed payments affect your trust score and may result in circle membership review.

When creating a circle, the creator selects a payout method: Sequential (position 1 goes first), Random (assigned randomly at circle start), Bid (members bid for positions), or Trust Score (highest scorer goes first).

When creating a circle, the creator selects a payout method: Sequential (position 1 goes first), Random (assigned randomly at circle start), Bid (members bid for positions), or Trust Score (highest scorer goes first).

AjoPlatform is a digital savings platform that modernizes the traditional Nigerian Ajo (Esusu) rotating savings model. Members join circles, make regular contributions, and take turns receiving the pooled amount.

AjoPlatform is a digital savings platform that modernizes the traditional Nigerian Ajo (Esusu) rotating savings model. Members join circles, make regular contributions, and take turns receiving the pooled amount.

Yes. AjoPlatform uses bank-grade 256-bit encryption, two-factor authentication, BVN verification, and is built in compliance with CBN regulations and the NDPR. Funds in your wallet are held in a segregated trust account.

Yes. AjoPlatform uses bank-grade 256-bit encryption, two-factor authentication, BVN verification, and is built in compliance with CBN regulations and the NDPR. Funds in your wallet are held in a segregated trust account.

Go to Profile → KYC Verification → BVN Verification. Enter your BVN number and the system verifies it against your registered phone number via the Dojah API. The process takes 30-60 seconds.

Go to Profile → KYC Verification → BVN Verification. Enter your BVN number and the system verifies it against your registered phone number via the Dojah API. The process takes 30-60 seconds.

AjoPlatform charges a 1% fee on each circle payout. There are no monthly or hidden fees. Savings plan contributions are free. Loan interest rates start at 4% per month.

AjoPlatform charges a 1% fee on each circle payout. There are no monthly or hidden fees. Savings plan contributions are free. Loan interest rates start at 4% per month.

You fund your wallet by transferring money to your unique virtual account number (provided by Monnify). The transfer reflects within minutes. You can also fund via Flutterwave using your debit card.

You fund your wallet by transferring money to your unique virtual account number (provided by Monnify). The transfer reflects within minutes. You can also fund via Flutterwave using your debit card.

Yes, wallet funds (non-locked savings) can be withdrawn anytime to your registered bank account. Withdrawals process within 24 hours. Locked savings have a penalty for early withdrawal.

Yes, wallet funds (non-locked savings) can be withdrawn anytime to your registered bank account. Withdrawals process within 24 hours. Locked savings have a penalty for early withdrawal.