keep your circle
Invite your trusted friends, family, or community. We provide the platform, you keep the relationships.
0103
community savings
modernised
My Ajo Cycle is a digital platform for community savings that modernises traditional rotational savings systems without the platform ever holding your money
OUR VISION
for every community
Whether you're saving with family, friends, or your community circle, My Ajo Cycle brings the trust and transparency you deserve. We blend time-honoured savings traditions with modern technology keeping what works, fixing what doesn't.
THE CHALLENGE
traditional savings circles have trust issues
Rotational savings groups (Ajo, pardner, committee) have helped communities for generations. But without verification, transparency, or recourse, they're risky:
- •No way to verify who you're saving with
- •Manual tracking leads to disputes and errors
- •When someone doesn't pay, there's no protection
- •Fear of regulation keeps groups informal and vulnerable
OUR APPROACH
Modern Technology, Timeless Values
My Ajo Cycle preserves the community spirit of traditional savings circles while adding the trust and transparency you need:
- ✓Three-Tier Verification: Bank account + ID + Trust Score (0-100)
- ✓No Custody: We never hold your money direct bank-to-bank payments
- ✓Full Transparency: Immutable schedules, complete audit trails
- ✓UK Compliant: PSD2 Open Banking, GDPR, FCA-aligned from day one
CORE VALUES
Community, Safety & Convenience
Three pillars that make My Ajo Cycle the modern solution for rotational savings
Bank-Grade Security
Three-tier verification ensures everyone is who they say they are. Your money never touches our platform only your bank sees it.
0203
Automated & Transparent
No spreadsheets, no manual reminders. Automated payments, real-time tracking, and full visibility for every member.
0303
How It Works
Three simple steps to modernise your savings circle
Create & Invite
Set up your group, invite members, and set your contribution schedule
Verify & Lock
Everyone completes bank + ID verification, then lock when ready to start
Contribute & Rotate
Make direct bank payments, take turns receiving payouts, track everything
Who Is My Ajo Cycle For?
Whether you're saving for a home, business, or life's big moments
House Deposits
Building your deposit with verified payment history
Business Capital
Pooling funds for startup costs and growth
Life Milestones
Weddings, travel, education plan together
Emergency Fund
Community support when you need it most
WHY CHOOSE US
why choose my ajo cycle?
- ✓No Custody: Your money stays in your bank we never touch it
- ✓UK Compliant: PSD2 Open Banking, GDPR, FCA-aligned
- ✓Chat Before Committing: 1-to-1 chat with organisers ask anything
- ✓Trust Verification: Bank + ID + Behavioural trust score (0-100)
- ✓Transparent Pricing: £0.50 per contribution, no hidden fees
- ✓Full Audit Trail: Immutable records of every payment
Trusted Platform
£0 Held
Your money, your bank