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Your Ajo, digitized.

Icontribute transforms traditional African savings circles — Ajo, Esusu, Tontine — into a secure, transparent, and automated digital experience for your community.

Install the App See how it works
⚡
Automated Ajo Rotations
Daily, Weekly & Monthly payouts
🔒
20% p.a. Lock Savings
High-yield compound interest
Payment Schedule Screen
Create Group Screen
Home Dashboard Screen
Savings Options Screen
Group Dashboard Screen
Problem & Solution

Traditional Ajo is powerful.
But it has real risks.

Here is how iContribute eliminates fraud, default delays, and record disputes from traditional African savings circles.

Hidden Records & Ledger Disputes

Manual notebook ledgers make it easy for arithmetic mistakes — or worse, undetected fraud — to disrupt trust among group members.

Our Solution

Real-time digital ledger where every deposit and payout is automatically broadcasted & verifiable by all members instantly.

Cash Shortfalls & Defaulters Derail Payouts

One member facing temporary financial strain or delayed income can halt the entire rotation, leaving the scheduled beneficiary stranded.

Our Solution

Instant Contribution Loans! Members can access instant loans on their running group contribution based on eligibility.

Admin Holds Too Much Power

Routing all cash through a single admin creates a single point of failure, exposure to personal emergencies, or misuse of funds.

Our Solution

Decentralized governance with group voting rules, multi-member authorization, and automated payout smart contracts.

Messy WhatsApp Receipts & Paper Records

Chasing members on WhatsApp groups with bank transfer screenshots is stressful, unorganized, and untraceable for financial audits.

Our Solution

Permanent digital receipt trail with downloadable PDF account statements, SMS alerts, and automatic payment reconciliations.

100%
On-Time Payout Protection
Instant
Contribution-Backed Member Loans
< 10 Sec
Instant Bank Transfer Settlement
Platform Features

Everything your savings group needs — and more

Built around how Africans actually save, borrow, and build wealth — with maximum transparency and automation.

👥
Rotational Savings Circles

Digital Ajo & Esusu Circles

Digitize your group contributions with automated tracking, custom rotational schedules (daily, weekly, monthly), and real-time payout transparency. Choose Icontribute-managed or Admin-managed fund handling.

Live Rotation Schedule ● Payout Active
Week 1 (Paid)
Tunde
Week 2 (Next)
Amaka
Week 3
Chidi
Week 4
Bola
🎯

Target & Lock Savings

Lock funds toward specific goals — rent, tuition, business expansion — and earn up to 20% compound interest p.a. Across 4 flexible commitment tiers.

Rent Savings Goal 72% Saved
Principal: ₦720,000 +₦144,000 Yield (20%)
Up to 20% P.A. Yield
🤝

Contribution-Backed Loans

Access instant short-term loans based on your active group contribution standing and eligibility status. Zero paperwork, zero collateral required.

Eligibility Status Loans
🔔

Smart Payment Reminders

Automated push notifications, SMS alerts, and in-app schedules ensure group members contribute on time without awkward manual chasing.

Automated Scheduling
🗳️

Democratic Group Governance

Fair, transparent voting for leadership decisions, milestone approvals, and payout order assignments — stored permanently on-chain.

Fair & Auditable Voting
📊

Flexi & Fixed Lock Rates

Choose Flexi Savings for instant liquidity with zero lock-in penalty, or Total Lock for maximum compound interest. Both beat traditional bank savings rates by up to 4×.

15% P.A.
Flexi Savings
20% P.A.
Total Lock Yield
Daily Interest Accrual
Interest calculated and added to wallet daily
Daily Yield Accrual
⚡

Value-Added Utility Services

Recharge airtime, buy data bundles, pay electricity bills, and renew DSTV/GOtv subscriptions directly from your main wallet with instant cashbacks.

📱 Airtime 📡 Data ⚡ Electricity 📺 Cable TV
Zero Convenience Fee
Explore All Features
How It Works

From signup to first payout in minutes

No paperwork. No branch visits. No complicated forms. Just your phone and your community.

1

Create an account

Sign up with your details. Quick BVN/NIN verification keeps everyone's safe.

2

Create or join a group

Start your own Ajo circle or join an existing one via invite. Set contribution amounts and frequency.

3

Contribute & track

Platfrom or Admin Managed groups. Pay contributions directly in-app. Every naira is tracked transparently — visible to all members.

4

Receive your payout

When it's your turn, the lump sum lands in your wallet automatically or Admin transfer if managed by admin. No chasing. No delays.

Start saving today — it's free
🔒 Bank-Grade Security & Compliance

Built to earn your complete trust

We protect money that matters to you and your community with bank-grade infrastructure, strict identity verification, and multi-signature governance.

Bank-Grade Encryption

Every transaction, password, and session is secured with 256-bit SSL encryption — the exact security standard used by tier-1 global banks.

Cooperative Society Structure

iContribute operates within approved Cooperative Society frameworks and aligns with Central Bank of Nigeria (CBN) fintech guidelines.

Contribution-Backed Safeguards

Group funds are protected by automated eligibility checks and member loan liquidity options so no single shortfall derails rotation payouts.

Full Transaction Ledger

Every deposit, rotation payout, interest payment, and vote is logged on a transparent digital ledger. Full visibility for all members 24/7.

Identity Verification

Every group member undergoes verification before joining, eliminating ghost accounts and establishing real-name accountability.

Democratic Group Governance

Group leadership is never absolute. Members can anonymously vote to reassign admin privileges or approve rules at any time.

256-Bit SSL Encrypted Data
Cooperative Society Regulated
BVN & NIN Real-Name Verification
Zero Unverified Withdrawals
Read Full Security & Compliance Policy →
Community Voices

Real people. Real savings. Real results.

★★★★★
"

We used to argue every month about who paid what. With Icontribute, everything is visible — the disputes just stopped. Our group saved a lot in one year!

TK
Tunde Kehinde
Group admin, Lagos Island Savers — Lagos
★★★★★
"

With Icontribute is an easy to manage my group savings also I dont need to remind members to pay. And more transparent as giving me more members to join my group!

AC
Amaka Chinedu
Group Admin — Enugu
★★★★★
"

My church cooperative moved to Icontribute and it changed everything. The voting feature for electing our treasurer was something we never thought we could do digitally.

PO
Pastor Olu Adeyemi
Cooperative founder — Ibadan
iContribute Mobile Screen
⚡
Instant PWA App
No Store Download Required
Zero Storage Impact

Install iContribute directly to your Home Screen

iContribute is a Progressive Web App (PWA) — it functions exactly like a native app without taking up phone storage or waiting for App Store updates.

1

Open Chrome

Launch Google Chrome browser on your Android device.

2

Visit Web App

Go to mobile.icontribute.com.ng in your browser.

3

Tap Menu (⋮)

Tap the three dots in the top-right corner of Chrome.

4

Install App

Tap "Add to Home Screen" — icon lands on your home screen!

Launch Web App Full Installation Guide

Native Apps for Android & iOS

We are bringing the complete iContribute experience to the Apple App Store and Google Play Store soon! Pre-register below to get notified when native store downloads go live.

Android App

Google Play Store native app with instant push notifications and biometric fingerprint login.

Web App & PWA

Works immediately on any phone or computer browser with zero store download required!

Launch Web App Now →

iOS App Store

Native iPhone & iPad app built with FaceID integration and Apple Wallet support.

Join the community

Your trusted circle is already saving.
Are you in?

Join thousands of Nigerians who've moved their Ajo online. Sign up free — no monthly charges, no hidden fees.

Create Free Account

No credit card required · Works on any smartphone · Free to join