Your Ajo Group Deserves Better Than a WhatsApp Thread.
Contribute with confidence. Collect without drama. Aunty Kolo is watching.
Funds held in escrow. Everyone sees the balance. Nobody disappears.
We are not throwing shade — but if you found us, it means you need us.
Yes, we like to brag. Abi na wash?
Sound Familiar?
Somebody's account is 'having issues' since February.
Sending payment alerts on WhatsApp and praying they see it.
You trust your people. But you also want to see the money.
KOLO fixes all of this.
Simple Like Sunday Rice.
- Step 01
Create Your Ajo
Set your group, contribution amount, and rotation order in under 3 minutes.
- Step 02
Invite Your People
Share a secure link. Everyone verifies their ID and signs the undertaking. No funny business.
- Step 03
Contribute & Collect
Funds go straight into your group's escrow account. Visible to everyone. Released automatically on collection day.
The Money is in the Account. Everyone Sees It. Nobody is Holding Anything for Anybody.
Every KOLO group has its own dedicated escrow account powered by Paystack. No admin touches the funds. Collection is automatic. Your money is safe.
"As it should be."
— Aunty Kolo
What the Group Chat is Saying.
I collected ₦420,000 and cried happy tears. Aunty Kolo did not play.
09:42 ✓✓— Adaeze, Lagos
We've been doing Ajo on WhatsApp for 3 years. Never again.
13:08 ✓✓— Chisom & the Finance Girls Group
The person who always had 'account issues' paid on time because of the penalty system. Unbelievable.
18:21 ✓✓— Temi, Abuja
Choose Your Circle.
The Starter Circle
- 5–10 members, 1 group
- Automatic reminders
- Escrow account
- Payment calendar
- Contribution calculator
- NIN / Voter's card KYC
- Digital undertaking
The Big Circle
- 11–100 members, unlimited groups
- Everything in Free
- Group analytics
- PDF export
- 7-day invite links
- Priority KYC
Because some circles are just bigger. And that is okay.
Your people are waiting.
The money is ready.
Start your Ajo today.
Create Your Group →Free to start. No credit card. No drama.