---
title: "AjoMoney: Group Savings App in Nigeria"
description: "Run digital ajo/esusu groups in Nigeria, save daily/weekly/monthly, get zero-interest micro-credit, and invest up to 15% ROI p.a. Pay bills too."
canonical_url: "https://liners.com/ajomoney"
markdown_url: "https://liners.com/ajomoney.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/ajo/screenshot.webp?v=1772629466719"
published_at: "2026-03-04T14:47:57.822Z"
updated_at: "2026-09-21T05:12:29.122Z"
---

# AjoMoney: Group Savings App in Nigeria

Run digital ajo/esusu groups in Nigeria, save daily/weekly/monthly, get zero-interest micro-credit, and invest up to 15% ROI p.a. Pay bills too.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [AjoMoney](/ajomoney)

## Summary

Alternative finance for underserved Africans.

A fintech platform for Nigerians that digitizes rotating group savings (ajo/esusu/adashe), thrift contributions, and personal savings, with wallet payments and virtual USD/NGN cards.

## Product details

| Field | Value |
| --- | --- |
| Website | https://www.ajo.money/ |
| Tagline | Alternative finance for underserved Africans. |
| Primary country | Nigeria |
| Platforms | Web, Android, API |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

AjoMoney is a Nigerian fintech platform that digitizes traditional rotating savings and credit groups (Ajo, Esusu, Adashe) for underserved individuals, SMEs, and corporate employees who want structured savings and access to **zero-interest micro-credit**.

Key capabilities include:

- **Rotating group savings (ROSCA)**: create or join savings groups where members contribute and take turns to receive a lump-sum collection.
- **Thrift contributions and personal savings**: save daily, weekly, or monthly, with access to additional credit tied to saving behaviour (not positioned as an instant loan).
- **Investment clan**: invest early collections in a clan for up to **15% ROI per annum** (as stated on the website).
- **Wallet and payments**: **send and receive money**, buy **airtime and data**, and pay **utility bills**.
- **Virtual USD/NGN card**: pay in instalments at **1,000+ stores** and use it for subscriptions.

Available on mobile app (only on **android**), with a **Partners API** plus dedicated platforms for **mobile agents**, **cooperatives**, and **business partners**.

It targets **Nigerians** (services are only available to Nigerians), including unbanked and underbanked consumers, MSMEs, corporate workers, field agents, cooperatives, businesses, and developers building savings and credit products.

Notable in the Nigerian market context, it formalises community-based savings into digital workflows and is delivered via **AjoPay Financial Technology Limited (RC: 1780015)** and **AjoPay Multipurpose Cooperative Society Limited**, with investment and banking-related products offered through affiliates and licensed third-party partnerships.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Savings](/tags/savings): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/ajomoney/alternatives)
- [Reviews](/ajomoney/reviews)
- [Transparency](/ajomoney/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/ajomoney)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)