Community Savings, Reimagined
Join trusted contribution groups, save together, and earn smartajo tokens. Modern ajo/esusu powered by blockchain technology for transparent, secure community savings.
Token Balance
12,500 SAJ
Active Members
2,400+
₦2.5B+
Total Volume
Processed securely
50,000+
Active Members
Growing community
1,200+
Savings Groups
Across Nigeria
99.9%
Uptime
Always available
Everything you need for community savings
Traditional ajo meets modern technology. Save with confidence using blockchain-powered transparency and security.
Community Groups
Join or create contribution groups with friends, family, or colleagues. Set your own rules and contribution amounts.
Bank-Grade Security
Your funds are protected with enterprise-level security. Multi-factor authentication and encrypted transactions.
smartajo Tokens
Earn contribution tokens for every payment. Track your savings on the blockchain with full transparency.
Instant Payouts
Receive your payouts directly to your bank account within minutes. No delays, no hassle.
Stellar Blockchain
Built on Stellar for fast, low-cost transactions. Every contribution is recorded immutably on-chain.
Smart Contracts
Automated payout schedules enforced by smart contracts. No manual intervention needed.
Mobile First
Access your groups and make contributions from anywhere. Fully optimized for mobile devices.
Track Progress
Monitor your savings growth in real-time. See your token balance and upcoming payouts at a glance.
How smartajo Works
Start saving in four simple steps. Join thousands of Nigerians building wealth together.
Create Account
Sign up in minutes with your email and phone number. Verify your identity to unlock all features.
Join a Group
Browse available groups or create your own. Set contribution amounts, frequency, and member limits.
Make Contributions
Pay to your dedicated virtual account. Each payment mints smartajo tokens to your blockchain wallet.
Receive Payouts
When it's your turn, receive the pooled funds directly to your bank account. Fast and secure.
Your contributions, on the blockchain
Every contribution you make mints smartajo tokens to your Stellar wallet. These tokens represent your savings history and can be used to verify your contribution record.
1 Naira = 1 smartajo Token
Simple conversion rate. Contribute ₦10,000 and receive 10,000 smartajo tokens.
Transparent Record
All token transactions are recorded on Stellar. View your complete history anytime.
Verifiable On-Chain
Use Stellar Explorer to verify any transaction. Full transparency guaranteed.
smartajo Token
Built on Stellar Network
Trusted by thousands of Nigerian savers
Join our growing community of people building wealth together through transparent, blockchain-powered savings.
smartajo has transformed how our market women save together. The blockchain transparency gives everyone peace of mind. No more disputes about who paid what!
Adaeze Okonkwo
Business Owner, Lagos
As someone in tech, I appreciate the Stellar integration. Being able to verify all transactions on-chain is exactly what traditional ajo needed.
Emeka Nwosu
Software Engineer, Abuja
I've been doing ajo for years but this is different. The app is easy to use, payouts are instant, and I can track everything on my phone.
Fatima Hassan
Teacher, Kano
Ready to start your savings journey?
Join thousands of Nigerians who trust smartajo for transparent, blockchain-powered community savings. Create your account in minutes.
No fees to join. Start contributing when you're ready.