radical transparency
no hidden fees, no custody of funds, no unclear terms. every rule is visible, every transaction is tracked, every member knows exactly how the platform works. if we say 'rules are clear,' we mean it.
our story
building trust through technology and tradition
Why we built this
A better way had to exist
Growing up, I watched people in my community come together through rotational savings circles called ajo. It was how families paid school fees, started small businesses, and supported each other through life’s important moments.
But I also saw the cracks. Arguments over who had paid, people dropping out with no consequences, and the constant fear of being scammed or losing trust within the group.
When I moved to the UK, I realised this was not just a Nigerian thing. Communities everywhere use similar systems. Pardner. Committee. Tontine. Yet in 2025, most of this still runs on WhatsApp messages and handwritten notebooks.
At one point, I tried to use my contributions to secure something meaningful. But there was no proof of funds, no structure, nothing I could show. Even though the money was real, it might as well not have existed.
That experience made one thing obvious. Any better solution had to meet a few simple principles.
- Preserves community trust and cultural practices
- Adds modern verification and transparency
- Complies with UK regulations from day one
- Never holds customer funds, avoiding unnecessary regulation
That’s why My Ajo Cycle exists. To give communities the structure, security, and proof they deserve, without breaking what already works.
our pillars
what we stand for
community first
we don't dictate how savings groups should work you do. member voting, organiser-led governance, and flexible group rules mean your community stays in control. we're just the infrastructure.
built for everyone
traditional banks don't serve informal savings circles. existing fintech doesn't understand cultural practices. we bridge that gap modern tools that respect tradition, compliance without exclusion.
regulation is not the enemy
we're built on psd2 open banking, gdpr-compliant, and fca-aligned as a technical service provider. no grey areas, no regulatory risk. you can trust that we're doing this the right way.