Ajo grew up. Meet Collectives.
Community investing the way Africa already saves — circles, chamas, and cooperatives — with a transparent treasury, member voting, and every contribution sealed on the ContiSX chain.
Umuada Progressive Circle
24 members · ₦18.4M pooled
+17.2% p.a.
TechBros Lagos Chama
12 members · ₦9.7M pooled
+19.8% p.a.
St. Mary's Staff Co-op
41 members · ₦32.1M pooled
+15.9% p.a.
Investment Circles
Ajo, esusu, adashe, chamas, staff cooperatives — bring the group online with roles and rules built in.
Transparent Treasury
One pooled treasury every member can see: contributions, positions, and payouts in real time.
Member Voting
Investments pass by vote — simple majority or custom thresholds, recorded member by member.
Pooled Access
Together the collective clears minimums no single member could — T-bills, bonds, CEI instruments.
Fair Rotation
Rotating payouts (ROSCA) or proportional distributions — the rules are code, not memory.
Sealed Ledger
Every kobo in and out is sealed on the ContiSX chain. No more 'the treasurer's notebook got lost.'
The circle, upgraded
Keep the trust. Add the receipts.
Form the collective
Name it, invite members, set contribution rules and voting thresholds.
Pool & decide
Contributions sweep into the shared treasury; members propose and vote on investments.
Distribute on-chain
Yields and payouts distribute by the rules — every movement sealed and visible to all.
Your circle already trusts each other
Collectives adds the infrastructure: CSD custody, member-visible treasuries, on-chain receipts, and access to regulated instruments — as a group.