my ajo cycle is for you
whether you're saving for a house, business, or life's milestones build your future with your community
how my ajo cycle helps
house deposits & affordability
uk landlords and mortgage lenders require proof of savings discipline. my ajo cycle provides verified payment history, bank-verified transactions, exportable statements, and helps you build your deposit faster. example: 10 friends saving £200/month for 10 months = £2,000 per person for deposits.
business startup & growth
launching a business or expanding? my ajo cycle helps entrepreneurs pool resources for startup capital, business expansion, with no loans and no interest. it's your community's money, not debt, with flexible timing. example: 5 entrepreneurs contributing £500/month for 5 months = £2,500 each for business needs.
weddings, travel & life events
big moments deserve proper planning. save together for weddings, family holidays, education, and celebrations. pool for venue, catering, honeymoon, coordinate travel funds with extended family. example: family of 8 saving £150/month for 8 months = £1,200 each for a group holiday.
emergency funds & community support
life is unpredictable. build a safety net with your trusted circle for unexpected expenses, job transitions, community support, and peace of mind. know your group has your back. example: 6 friends contributing £100/month for 6 months = £600 each for emergencies.
uk affordability requirements
proof of savings for landlords & lenders
in the uk, landlords and mortgage providers increasingly require proof of financial discipline before approval. traditional cash savings or informal groups can't provide this.
how my ajo cycle helps:
bank-verified transactions
every contribution is a real bank transfer, not self-reported
immutable payment history
complete audit trail showing consistent saving over time
exportable records
download statements to share with landlords or lenders (soft launch feature)
trust score
demonstrates reliability and payment discipline (0-100)
you're not just saving money you're building provable financial credibility.
tradition meets technology
rooted in community, built for the future
my ajo cycle honors ancient traditions while solving modern challenges
keep your circle
invite the people you trust family, friends, community. rotational savings groups like ajo (yoruba), pardner (caribbean), committee (south asian), or tontine (french) have helped communities for centuries.
add transparency
no more handwritten ledgers or 'he said, she said'. complete audit trail with bank-verified transactions that institutions recognize. every contribution tracked and immutable.
modern proof
uk landlords and lenders recognize bank-verified transactions. build provable financial credibility with exportable records and payment history that demonstrates reliability.
stay compliant
psd2 open banking means you're using regulated infrastructure. uk-compliant from day one with gdpr protection, fca-aligned processes, and secure direct bank-to-bank payments.
you're not abandoning tradition — you're giving it the tools to thrive in 2025
why communities choose my ajo cycle
direct bank-to-bank payments: your money never touches our platform stays between you and your group
complete audit trail: every payment tracked, immutable records for affordability proof
community-first design: keep your cultural savings practices, add modern trust tools
chat before committing: private 1-to-1 chat with organisers ask anything before joining
uk-compliant: psd2 open banking, gdpr, fca-aligned from day one
transparent pricing: £0.50 per contribution, no hidden fees