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Platform Features

Built for Community
& Trust

Icontribute blends centuries-old African savings traditions with modern mobile technology — so you can save securely, lend with confidence, and grow wealth together.

Thrift Groups

Create or Join Trusted Savings Circles

Digitize your Ajo, Esusu, or Tontine. Every contribution and payout is automatically tracked, bringing full transparency and security to your group savings.

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Invite-only membership — Only people you know and trust can join, preserving group integrity.
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Flexible schedules — Daily, weekly, monthly, or fully custom contribution cycles.
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Two management modes — Icontribute-managed (automated) or Admin-managed (manual control).
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Automated payouts — Cycle follows predefined rules; no admin needed to release funds.
Start a Group
PAYOUT SCHEDULE — LAGOS CIRCLE
TK
Tunde Kehinde
Week 1 payout
↑ Current
AF
Amaka Folarin
Week 2 payout
Upcoming
CB
Chidi Bello
Week 3 payout
Upcoming
OD
Ola Dawodu
Week 4 payout
Upcoming
BM
Blessing Musa
Week 5 payout
Upcoming
Group pot this cycle ₦485,000
Group Governance

Admin Democracy — Power Stays with the Community

Our flagship feature solves the biggest trust problem in traditional Ajo: a rogue admin. If a group admin becomes inactive, abusive, or untrustworthy, members can vote to replace them — anonymously, fairly, and instantly.

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Anonymous voting — No member can see how others voted, preventing coercion.
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Majority rule — Simple majority triggers leadership transition, fully recorded.
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Seamless handover — Admin rights transfer instantly; group never misses a beat.
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Audit trail — Every vote and decision is permanently logged for accountability.
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Admin Vote in Progress

5 of 8 members have voted

Replace Admin4 votes
Keep Admin1 vote
Result will be applied automatically at vote close
Locked & Target Savings

Save Smarter. Earn More. Hit Your Goals.

Our tiered savings system rewards financial discipline with higher interest rates. The more committed you are, the more you earn — up to 20% per annum on fully locked funds.

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Target Savings — Set a goal (rent, school fees, equipment) and save toward it automatically.
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4 lock tiers — Choose your commitment level; clearer rules mean higher returns.
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Top-up anytime — Add more funds during the lock period without resetting the timeline.
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Transparent penalties — Early withdrawal costs are shown before you confirm any action.
Lock Type Interest p.a. Early Exit Penalty
🔄 Soft Landing 5% ✓ Allowed 5%
⚖️ Medium Landing 10% ✓ Allowed 15%
⚠️ Hard Landing 15% ✓ Allowed 25%
🔒 Total Lock 20% ✗ Locked Not Allowed

Interest calculated annually. Penalties apply to early withdrawals only.

Community Lending

Loans Without Collateral, Banks, or Queues

Access loans from Icontribute based on your group's savings and contribution history. No credit score needed. No paperwork. No waiting.

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Social capital scoring — Loan eligibility based on your group contribution track record.
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Up to 50% of payout — Borrow against your upcoming group payout without waiting.
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Automated repayments — Repayment schedules aligned with your contribution cycle.
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Default protection — Escrow safeguards ensure defaults don't disrupt other members' payouts.
LOAN ELIGIBILITY
78%
Based on 8 months consistent contribution
Max loan available
₦242,500
50% of your ₦485,000 upcoming payout
INTEREST RATE
5% p.m.
MAX TENURE
3 months
Value-Added Services

Your Wallet. Your Bills. One App.

Your Icontribute wallet isn't just for savings. Pay everyday essentials directly from your balance — turning your financial hub into a one-stop shop for daily life.

📱Airtime Top-up
📡Data Bundles
⚡Electricity
📺Cable TV
QUICK PAY
Wallet Balance₦24,500
📡9mobile Data 1GB
₦1,000
⚡Eko Electricity Token
₦5,000
📺DSTV Compact Monthly
₦9,500
Get Started

Everything your savings group needs

Join thousands of Nigerians who've moved their Ajo online. Free to join, no hidden charges.

Start Saving Free See All Features