AJO — Esusu / Adashe Thrift Savings

A complete, white-label rotating savings (ROSCA) platform built for the African market and global diaspora. Ship a real, trusted thrift product on day one — not another Figma demo.

Known locally as Ajo (Yoruba), Esusu (Igbo), Adashe (Hausa), Susu (Ghana), Stokvel (South Africa), Tontine (Francophone West Africa) — this app turns the centuries-old practice of community savings into a modern, accountable, mobile-first experience.

What you get

• Flutter mobile app (iOS + Android, single codebase) with Riverpod state management, secure token storage, and push notifications via Firebase
• Laravel 12 backend with RESTful API, Filament admin panel, MySQL/SQLite support, and a queue-driven email pipeline
• Zauthy authentication — JWT, MFA, magic links, OAuth (Google/Apple), email verification, password reset — already wired up
• PostaLynk transactional email — welcome, contribution confirmations, payout notifications, KYC approvals — all branded
• Built-in KYC — BVN / NIN / Passport / Driver's License flow with risk scoring, ready for compliance review
• Trust scores that reward on-time contributions and penalise defaulters
• Filament admin to moderate disputes, confirm payouts, manage groups, and broadcast announcements

Group mechanics — the real deal

• Fixed or random rotation — let members claim a position, or let the system shuffle
• Weekly, biweekly, or monthly cycles with auto-generated rounds and due dates
• Multi-currency — NGN, USD out of the box, easy to extend
• Invite codes + shareable links + QR codes — joining is as fast as forwarding a WhatsApp message
• Waitlists when groups are full or mid-cycle
• Defaulter handling with dispute resolution and admin override
• Payout double-confirm — admin marks paid, recipient confirms received, on-chain-style accountability without the chain

Why this beats a generic savings app

Most "fintech" templates are just a pretty wallet UI. AJO models the actual social contract that hundreds of millions of Africans already use. You're not teaching a new behaviour — you're digitising one that already works.

What's NOT in here (by design)

We don't custody money. Members pay each other directly via bank transfer or mobile money, and the platform tracks proof, confirmations and trust. This keeps you out of regulated-deposit territory in most jurisdictions while still owning the product layer everyone actually wants.

Stack

• Mobile: Flutter 3.x, Riverpod, GoRouter, Firebase Messaging, flutter_secure_storage
• Backend: Laravel 12 (PHP 8.4), Filament 3, Spatie Activity Log + Media Library, queue worker
• Auth: Zauthy (drop-in identity)
• Email: PostaLynk (transactional)
• Push: Firebase Cloud Messaging
• Analytics + retention: Retenshun (optional)
• Support chat: Supoora (optional)

Who this is for

• Fintech founders launching in Nigeria, Ghana, Kenya, South Africa, or the diaspora
• Cooperative societies digitising their books
• Church / mosque / community groups running rotating contributions
• Microfinance institutions adding a peer-savings product
• Agencies pitching white-label savings to a client

Deploy to Hostinger, Render, or any LAMP host in an afternoon. Source code, no SaaS fees, full ownership.