Save together.
Collect on time.
Run your Ajo group online. Everyone pays from their wallet, everyone sees who has paid, and the pot lands with whoever's turn it is.
Have an invite code? Join your group
How it works
Three steps, and the app keeps everyone honest
KollectCash
Family Ajo
Try it
What would your group look like?
Move the sliders to see what each member pays and what you collect on your turn.
You collect
₦118,200
in month 1 of 6, after the 1.5% fee
- You pay in total
- ₦120,000
- Group runs for
- 6 months
No interest, no loan: it's your group's own money, collected in turns.
Everything your Ajo needs
Wallet and auto-pay
Top up with Paystack. Contributions leave your wallet on the due date, so nobody forgets.
Clear turns
Everyone sees the payout order, who has paid this round, and when their turn comes.
Reminders and alerts
A heads-up before each due date, and a notification on your phone the moment money moves.
Group chat
Talk to your group inside the app, with no more lost messages in a busy WhatsApp group.
Verified members
Every member confirms their identity with their BVN or NIN before money moves.
Every naira on record
Each payment and payout is logged, so there are no arguments about who paid what.
Questions people ask
Ajo (also called Esusu or Adashe) is a savings circle. Everyone pays the same amount on a schedule, and each round one member collects the whole pot, until everyone has had a turn. KollectCash runs that for you.
Creating and joining groups is free. We take 1.5% from each payout, and the calculator above shows exactly what you'd collect.
Members pay from their KollectCash wallet, and auto-pay takes it on the due date. We send reminders before, and everyone can see who has paid, so the coordinator can follow up early. A round pays out once it's fully paid.
Add money to your wallet with your card or bank through Paystack. Payouts land in your wallet, and you can withdraw to your bank account.
Every member is identity-checked, so you know the people in your group are who they say they are. We only keep the last 4 digits of your number.
Your next payout, without the chasing
Set up your group in two minutes and share the invite code.