Simple, Transparent Pricing

No Monthly Fees. No Hidden Charges.

AjoPlatform is free to join. We only earn when you complete circle payouts.

1%
Platform Fee on Circle Payouts Only

We deduct just 1% from each circle payout — only when you receive your money. If a 12-member circle pools ₦600,000, our fee is ₦6,000. You receive ₦594,000. No other fees on circles.

No registration fee
No monthly subscription
No contribution fee
No wallet funding fee
No KYC verification fee
No circle creation fee

Transaction Limits by KYC Level

Higher KYC levels unlock higher transaction limits. Verification is free and instant.

Feature Level 0
Unverified 		Level 1
BVN Verified 		Level 2
Full KYC 		Level 3
Premium
Daily Limit ₦20,000 ₦200,000 ₦1,000,000 ₦10,000,000
Monthly Limit ₦50,000 ₦1,000,000 ₦5,000,000 ₦50,000,000
Max Circle Size 5 members 12 members 30 members 50 members
Loan Access ✕ ✕ ✓ Up to ₦500K ✓ Up to ₦5M
Income Verify ✕ ✕ ✓ ✓
Credit Report ✕ ✕ ✓ ✓
Priority Support ✕ ✕ ✕ ✓
API Access ✕ ✕ ✕ ✓

Savings Interest Rates

Earn competitive interest on locked savings. Rates vary by plan type and duration.

Flexible Savings

6%

Annual Interest Rate

No lock-in period. Withdraw anytime. Lower rate reflects the added flexibility.

Target Savings

10%

Annual Interest Rate

Save towards a goal with regular contributions. Lock period from 30 days.

Fixed Savings

12%

Annual Interest Rate

Lock a lump sum for 3-24 months. Highest rate. 5% penalty for early break.

* Interest rates are indicative and subject to change. Actual rates displayed at plan creation.

Micro-Loan Interest Rates

Fair, transparent loan pricing based on your trust score.

Starting Rate
4%/month
For members with 60+ trust score
Minimum Loan
₦10,000
Maximum Loan
₦5,000,000
Subject to KYC Level 2
Tenure
1-12 months
Processing Time
< 24 hours
After approval
No Prepayment Fee
✓
Pay off early at no cost

Loan access requires KYC Level 2 and a minimum trust score of 60. Rates may vary based on credit assessment.

Pricing Questions

No. AjoPlatform is completely free to join and maintain. We only charge a 1% fee on circle payouts when you actually receive your money.
When your payout is processed, 1% is automatically deducted as our platform fee. Example: If your circle pools ₦500,000 and it's your turn, you receive ₦495,000. The ₦5,000 fee covers our platform operations.
We do not charge for wallet funding. However, your bank or card provider may charge their standard transfer fees. Monnify virtual account transfers are typically free.
AjoPlatform does not charge withdrawal fees. Standard bank transfer fees from our payment provider (typically ₦10 flat) may apply.
Interest rates range from 6% per annum for flexible savings to 12% per annum for fixed savings. Rates are displayed when you create a savings plan.