Plant.
Grow.
Harvest.
Nigeria's Ajo savings tradition, rebuilt for the phone in your pocket. BVN-verified. Paystack-secured. Your harvest is waiting.
Family Circle · Round 4 of 10
₦40,000 / ₦100k pot
Family Circle · Round 4 of 10
₦40,000 / ₦100,000
Everyone collects ₦100,000 on their turn
0%
Platform fee
100%
Funds held in escrow
11 sec
Average BVN verification
24h
Payout processing time
Nigeria's oldest money-growth machine, finally digital.
Ajo, Esusu, Adashe, Cha — whatever your community calls it, the tradition is the same. Kreditspark handles the trust so the community stays warm.
Your money goes into
trusted soil.
Top up your Kreditspark wallet. Join or create an Ajo group. Every member is BVN-verified before they enter — your seed is safe before it goes in the ground.
- ✓ Create or join a group
- ✓ BVN verified before first contribution
- ✓ Collateral hold protects all members
Oghenekaro Family Ajo
Waiting for 2 more members to join
Auto-debit · Round 4
Consistent payments.
Growing trust.
Every payment cycle, auto-debit handles contributions. No chasing, no excuses. Your Trust Score rises with every on-time payment — unlocking earlier harvest positions in future groups.
- ✓ Auto-debit from wallet or saved card
- ✓ Trust Score grows each round
- ✓ WhatsApp alert on every payment
Your turn comes.
The full pot is yours.
When your position arrives, the full pot lands in your Kreditspark wallet instantly. Withdraw to any Nigerian bank account. No delays. No gatekeeping. That is your harvest.
- ✓ Full pot paid instantly to your wallet
- ✓ Withdraw to any Nigerian bank
- ✓ Harvest date visible from day one
Harvest complete
₦100,000
credited to your wallet
Tunde Okonkwo
Round 4 winner
Deep roots.
Strong harvest.
Every naira in an Ajo pot is protected by the same system. Community stays warm — enforcement is handled.
Escrow-held funds
Contributions go straight to a Paystack sub-account. The group creator cannot touch the pot before payout day. Ever. Money is not held by us — it is held by Paystack, on your behalf.
BVN identity lock
Every member verifies their BVN before joining. One real identity, one account. Ghost members and alias fraud are structurally impossible.
Trust Score
On-time payments build your score. Higher scores earn earlier harvest positions.
Auto-debit
Wallet first, saved card second. Three misses triggers group alert.
Vote out fraud
If the organiser goes silent, members vote to remove them. No single point of failure.
Collateral hold
Early recipients have a proportional hold — insurance for later-round members.
Your harvest,
shared in seconds.
Got something to celebrate? Split money into a link and send it anywhere — WhatsApp, Twitter, a text message. Anyone who opens it claims their share straight into a Kreditspark wallet. They don't need the app to receive — only to keep growing it.
- ✓ Set an amount, pick how many people can claim
- ✓ One link works for anyone — even without an account yet
- ✓ Funds land the instant someone claims, no waiting
Kome's birthday giveaway
₦20,000 · split between 10 people
More seasons ahead
Ajo, Giveaway, and P2P Loans are live today. Here's what's growing next.
P2P Loans
LiveLend to or borrow from members of your Ajo circle — people who already know and trust you.
Target Savings
SoonLock money toward a goal. Earn returns until your harvest day arrives.
Every harvest starts
with a single seed.
Create your free Kreditspark account. Join an Ajo, start a group, or just hold your wallet ready. No paperwork — just your BVN.
Free to join · Paystack-secured · BVN required · Zero platform fee