Modern Ajo,
Built for the Digital Age
AjoReserve gives savings groups one place to manage contributions, payout rotations and financial goals — with AI-powered guidance for what to do next.
The AjoReserve Journey
Save. Plan. Invest.
SAVE
Manage Ajo contributions, tracking tables, and payout rotations in one transparent, automated digital ledger.
Open Dashboard →PLAN
Define custom long-term goals (Emergency Funds, Business Capital, Education) and map your upcoming payouts to them.
Open Goals Coach →INVEST
Research curated asset classes, analyze long-term risks, and run illustrative compound scenarios with the AI Investment Coach.
Open Investment Coach →Why AjoReserve?
Traditional rotating savings groups are excellent for short-term capital, but they lack default protection and a path to long-term wealth.
Traditional Ajo
Informal social circles
- Default Risk: Total loss if a member disappears after cashout.
- Inflation: Naira savings devalue 30%+ annually in real terms.
- Rigidity: Fixed queue with no emergency scheduling flexibility.
- Wealth Building: Isolated savings with no path to investments.
AjoReserve
Digital Savings & Planning Platform
- Reserve Protection: Simulated vault steps in when a member defaults.
- USDC Option: Save in USD stablecoin to lock purchasing power (Roadmap).
- Emergency Bidding: Members bid discounts to swap rotation order.
- AI Coach: Connects payouts directly to goals and investment research.
Your Ajo payout is just the beginning.
When your ₦5,000,000 payout is scheduled, the AI Coach helps you think about what comes next: emergency buffers, business capital, long-term investments, or a mix of all three.
Understand your group, contributions, and rotation status.
Calculate monthly savings for any financial milestone.
Research assets, compare risk profiles, run ROI scenarios.
AjoReserve AI Coach
Save smarter. Plan better. Invest with perspective.
AjoReserve Today
A transparent breakdown of what is live in the MVP, what is in beta simulation, and what is planned.
LIVE MVP
- Group Management
- Member Management
- Contribution Tracking
- Payout Rotation
- Financial Dashboard
- AI Coach — Savings & Goals
- WhatsApp AI Coach · Webhook Integration
BETA & SIMULATION
- AI Coach — Investments Mode
- Reserve Protection Vault
- Emergency Payout Bidding
- Compound Yield Modelling
- ROI Scenario Calculator
ROADMAP
- USDC Stablecoin Savings
- Base L2 Smart Contract Settlement
- Automated Reserve Sweeps
- Live Market Data Feeds
- Automated Investment Execution
Your Ajo, Wherever You Are
Manage your savings from the AjoReserve dashboard or talk to your AI Coach directly through WhatsApp. Access your group ledgers, payout schedules, and financial goals conversationally.
Get quick answers about your contributions, group health, and payout schedule.
Turn upcoming payouts and savings into structured financial goals.
Research long-term investment opportunities and understand the risks.
AjoReserve AI Coach
WhatsApp Business Account · Verified
1. Build a savings plan
2. Explore investment options
3. Compare scenarios
Ready to explore the MVP?
Manage your Ajo group, track contributions, and start planning your financial future.