A fintech-powered cooperative for the next generation of African entrepreneurs.
Empowering communities through secure digital cooperatives, transparent contributions, and access to sustainable financial opportunities.
Trusted by 30k+ Organizations Nationwide
- BVN Verified
- NIN Validated
- Facial Recognition
- Guarantor Confirmed
OUR IMPACT
The Numbers Behind Our Impact
Delivering measurable growth, expanding communities, and
ensuring complete digital transparency through data-driven
operations.
Transparent Operations
Community Impact
Certified Excellence
Trusted Network
Growth Focused
Real-Time Monitoring
Weekly Volume Target
Supports large-scale growth with consistent weekly performance across the network.
Transactions Processed
Supporting seamless and secure activity at scale.
New Members per Cluster
Focused on sustainable member acquisition and community development.
Digitally Traceable
Delivering complete transparency through end-to-end digital tracking.
THE PROBLEMS
Capital is locked away from the people who build Africa.
High-interest loans, missing collateral and weak cooperative management leave millions of entrepreneurs without structured financing. Informal contribution systems collapse under fraud, manual records and member defaults.
- Oppressive bank loan structures
- Manual, opaque record keeping
- Fraud and member defaults
- Weak follow-up & reconciliation
THE AGBAJO SOLUTION
A transparent digital cooperative — for every cluster.
We digitize and automate rotational financing end-to-end: identity
verification, wallet linking, weekly deductions, payout scheduling and AI-powered fraud monitoring — all in one platform.
Verified members
Automated deductions
Real-time tracking
Scheduled payouts
Compliance built in
Pan-African ready
PLATFORM
Fintech infrastructure for community finance.
Everything a rotational savings cluster needs built into one secure, automated platform.
Automated Weekly
Deductions
Contributions are pulled from linked wallets every week no chasing, no missed payments.
Structured Funding
Clusters
Trusted groups of 10 members agree on goal, amount and rotation.
Smart Beneficiary
Rotation
One member receives a lump-sum payout each week until the cycle completes.
AI Fraud
Monitoring
Real-time risk scoring, BVN & NIN checks, guarantor validation and default tracking.
Wallet & Bank
Linking
Connect bank accounts, debit cards or digital wallets in minutes.
Real-Time
Notifications
SMS and in-app alerts keep every member informed at every step.
HOW IT WORKS
Seven steps from joining to Payout & Renewal.
Form a Cluster
Bring together trusted members or join an open cluster.
Agree the Goal
Set weekly target, contribution and rotation order.
Get Verified
BVN, NIN, facial recognition and guarantor validation.
Link Wallet
Connect a bank account, card or digital wallet.
Contribute Weekly
Every member contributes the agreed amount each week for 10 weeks — managed and tracked on the platform.
Receive your payout
Each week, one member receives the pooled payout. By week 10, every member has been paid.
Renew or grow
Roll into a new cycle at the same level, or scale up your contribution and funding target.
TRANSPARENT COST STRUCTURE
Every Naira accounted for.
No hidden charges. Each weekly payment includes a clearly stated contribution, protection fee, service charge, and transaction fee.
Example — ₦20,000 weekly contribution
Contribution
₦20,000
Protection Fee (10%)
₦2,000
Service Charge (10%)
₦2,000
Bank Fee
₦100
Total weekly debit
₦24,100
The ₦2,000 Protection Fee is refunded in full at the end of the 10-week cycle, provided all obligations are met.
Total weekly debit
You choose
Your chosen savings amount, pooled with your cluster.
Protection Fee
+10%
10% weekly. Fully refundable after final payout when all obligations are met.
Platform Service Charge
+10%
10% weekly. Funds platform operations and CAM commissions.
Bank Transaction Fee
₦100
Flat fee per transaction to cover banking and payment processing.
CLUSTER ACQUISITION MANAGERS
Earn ₦5,000 weekly per cluster you manage.
CAMs are the backbone of Agbajo — trusted community organizers who form clusters, support members, and keep payments on track. Manage as many clusters as you can grow.
Organize and onboard members into 10-person clusters
Serve as the cluster administrator on the platform
Monitor weekly contribution activity
Ensure prompt and consistent payments
Act as primary liaison between members and Agbajo
₦5,000 / week
Flat commission per active cluster (≈ ₦500 per member).
Automated payouts
Commissions are credited directly to your registered bank account each week.
KYC verified
Every CAM completes full identity and bank verification before activation.
Unlimited clusters
Manage multiple cooperative groups concurrently — scale your earnings.
AFTER YOUR PAYOUT
Renew instantly. Stay, sustain, or scale.
When your 10-week cycle ends, you decide what comes next — there’s no waiting period.
Renew
Start a fresh 10-week cycle with the same cluster.
Maintain
Continue at the same weekly contribution amount.
Upgrade
Raise your funding target and contribution to grow faster.
PLATFORM
Pick a cluster that matches your ambition.
All plans run for 10 weeks with 10 members. One lump-
sum payout per week.
Starter Plan
₦2,000,000
Weekly lump-sum payout
Weekly contribution
₦200,000
Service charge
₦20,000
Protection Fee
₦20,000
Bank Fee
₦100
Total weekly
₦240,100
Duration
10 weeks
Ideal for: Small businesses, traders, startup entrepreneurs, artisans
Most popular
Growth Plan
₦3,000,000
Weekly lump-sum payout
Weekly contribution
₦300,000
Service charge
₦30,000
Protection Fee
₦30,000
Bank Fee
₦100
Total weekly
₦360,100
Duration
10 weeks
Ideal for: Expanding SMEs, agro-business, medium traders, logistics
Premium Plan
₦5,000,000
Weekly lump-sum payout
Weekly contribution
₦500,000
Service charge
₦50,000
Protection Fee
₦50,000
Bank Fee
₦100
Total weekly
₦600,100
Duration
10 weeks
Ideal for: Small businesses, traders, startup entrepreneurs, artisans
VERIFICATION & RISK
Built on layered verification.
Every member is verified, every payment monitored. We combine financial, legal and technology controls to keep clusters honest and capital safe.
BVN verification
Facial recognition
Business verification
Cashflow Assessment
Year 1 outlook
2,000 clusters · 108,000 active users
Year 2 outlook
50,000 clusters · 2.7M users nationwide
Built-in compliance
Digital agreements · Penalty & recovery flows
Ready to rise with your community?
Join a cluster, link your wallet and unlock structured capital — without oppressive
interest.