Digital Ikibina

Alternative finance for MSMEs in Africa.

Community financing digital rotating savings and credit platform (ROSCA) that makes it possible for SMEs to not just save and invest but also access micro-credit to scale their business.

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Community
financing.

Collectively save money in group of similar cooperative significance and rotate collection, earn additional interest on late collection and micro-credit for early collection.

Learn more

Invest early
and ahead in a clan.

With early access to a rotating savings collection, you can invest your money in valuable assets for up to 15% ROI per annum in a clan. Also, you get to build credit when you invest.

See investment clan

Savings club
& credit.

Not an instant loan, but why stay broke because you are saving money. Save your income daily or weekly or monthly and take turn to get additional credit when you need one.

Join a group
extended platforms

Partner with AjoMoney

Partners API

Savings and credit as a service API for developers and businesses. Launch your savings and credit platform or solution. Help your users build credit for saving.

Cooperative

Run a flexible credit union for your customers and employees, give them access to savings and also loan or mortgage as they save money with you to build credit.

Business

Sell to AjoMoney consumers and your existing customers, offer buy now pay later and also access thrift savings, investment and credit to grow your business.

Mobile Agents

Make money as an agent when you help people sign-up, perform thrift contribution and access credit. Help the unbanked become banked

Mobile Agents

Make money as an agent when you help people sign-up, perform thrift contribution and access credit. Help the unbanked become banked.

Partners API

Savings and credit as a service API for developers and businesses. Launch your savings and credit platform or solution. Help your users build credit for saving.

Cooperative

Turn your cooperative into a neo-bank, grow when you help your members grow with improved, thrift savings and loan management.

Our investors and partners

AjoMoney Virtual USD/NGN Card

Pay Installmentally at over 1000 Stores when you checkout with our virtual cards. Also build credit when you pay your subscriptions with it.

Create a free account

Join AjoMoney

Become financially free and included when you build credit through flexible savings such as rotating group savings and thrift contribution with collective investment.

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