How it works
From cluster to payout - automated,
verified and transparent.
Seven simple steps to access structured capital with
your trusted community.
Cluster Formation
Members voluntarily form trusted funding clusters of 54 participants.
Funding Goal Agreement
The cluster agrees on weekly target, contribution amount, disbursement order and duration.
Verification
BVN, NIN, facial recognition, guarantor validation and cashflow assessment.
Wallet Linking
Members connect bank accounts, debit cards or digital wallets.
Automated Weekly Contributions
Agbajo deducts weekly contributions automatically — no chasing, no missed payments.
Weekly Beneficiary Payout
One member receives a lump-sum payout every week of the cycle.
Renew or grow
Roll into a new cycle at the same level, or scale up your contribution and funding target.
Cycle Completion
The process continues until every member receives their scheduled payout within the agreed cycle.
Ready to see the plans?
Three plans, one structure — built for traders, SMEs and growing
businesses.
businesses.