Your cooperative's money, moving both ways on WhatsApp.

Ajoda collects contributions and pays out verified withdrawals for ajo and esusu groups, and every member sees exactly where the pool's money went.

Open in WhatsAppExco dashboard
Unity Thrift Coop21 Jul, 14:32

₦250,000

Disbursed from the pool for generator repair.

Authorised by
Adaeze Okafor
To account
••••6789
AJODA-DISB-1784…C1F171Completed
14:32

One loop, closed properly

Most cooperative tools stop at collecting. Ajoda carries the money all the way back out again, and tells everyone about it.

Six cooperative members in patterned cloth, passing contributions hand to hand around a ring.
  1. 01

    Collect

    A payment link lands in the member's WhatsApp. Card, transfer, or USSD through Monnify checkout, settled to the right period every time.

  2. 02

    Verify

    Before any money leaves, the recipient's account name is confirmed with their bank. The exco sees who they are actually paying.

  3. 03

    Disburse

    An exco authorizes with an OTP and a real transfer moves the pool's money, from the bot or the dashboard.

  4. 04

    Broadcast

    Every member gets the proof: amount, reason, who authorized it, and the transfer reference. Trust, not promises.

See the whole loop run.

Start a cooperative from WhatsApp, or sign in to the exco dashboard and authorize a real transfer.

Open in WhatsApp