The friends you plan with. The family you show up for. Keep the togetherness, and make the money side easier to follow.
Your wallet. Your contributions. Your next step.
Your available balance comes first. Add money, withdraw, or head to Savings when you’re ready to contribute.
No need to piece everything together from messages. Your wallet records and savings activities have their own place.
Have a look at Home, Savings and Wallet. These examples follow the screens in our mobile app.
Good morning · 4721
Ajo & Esusu, made simple
Interactive illustration of the mobile app. Sample balances, not a live account.
Two ways to contribute, with the terms
there for you to read
before you join.
Your colleagues, your friends, your family. Agree on contributions and a schedule, then collect in turn as each cycle settles.
Join a platform campaign with a shared target and stated fulfilment terms. Contribute from your wallet and follow your progress.
No. Your contributions are committed towards a platform campaign’s fulfilment terms. They are not freely withdrawable like a personal savings balance. Read the campaign details before joining; where a campaign cannot proceed, refunds follow a reviewed resolution process.
Here’s how Rotational Ajo comes together.
Create a group or accept an invitation. Choose the circle you’re comfortable contributing with.
Review the amount, schedule, payout order and group rules. Complete the required agreement and funding steps.
Make contributions from your wallet and check their status. See what’s paid and what still needs attention.
When your payout settles, it goes to your wallet. Request a withdrawal to an eligible trusted bank account.
Payouts depend on settled contributions and the group’s agreed rules.
Sometimes a payment needs checking. Sometimes a contribution is late. You should be able to see what happened and what needs attention.
Review your transactions, contribution status and references instead of searching through old messages.
Contribution recovery separates unpaid amounts, penalties and recovery status. The group’s agreed rules still apply.
Open a support request or raise a dispute about a contribution or payout from Help & support in the app.
Practical account protections,
with you in control of your
details.
Identity verification helps establish who can access eligible financial activities.
Use the app’s transaction PIN and security tools. Sensitive actions can require extra authorization.
Manage your own bank accounts. New payout destinations may need extra checks before withdrawals are available.
Review devices and security activity, and follow critical account alerts.
Your payout goes to your wallet first. Withdraw when eligible, or manage automatic withdrawal preferences in the app. A group admin cannot replace your personal withdrawal bank.
More about payoutsMoney conversations should
leave room for questions.
Add money to your wallet, join or create eligible Ajo rotations, participate in Goal savings campaigns, follow your transactions and request withdrawals. Available actions depend on your account status and verification.
Open your group invitation in the app and review the details. Complete the agreement and any required funding or security steps. Before the rotation begins, check the established payout order and contribution schedule.
The group’s agreement determines grace periods, penalties and recovery steps. You can review unpaid amounts and recovery status in the app. A missed contribution can delay a payout; iDeliverPay does not promise to cover another member’s shortfall.
A settled rotational payout goes to your wallet first. You can request a withdrawal to an eligible trusted bank account, or manage automatic withdrawal preferences. Review applicable fees, limits and security checks in the app.
Campaign contributions are committed to the stated fulfilment terms. They are not a freely withdrawable personal balance. Review the campaign’s target, deadline, fulfilment details and resolution terms before joining.
No. You manage your own personal withdrawal destination through your account’s security controls. A group administrator cannot choose or replace it for you.
In the app, go to Profile → Help & support. Open a support request for questions or account problems, or raise a dispute about a specific contribution or payout. Include the transaction reference where available. Never share your password, PIN or one-time codes.
A familiar way to contribute.
A clearer way to keep track.