Full platform protection
Your identity and bank link are verified and secured.
The savings platform that makes betraying your group impossible.
Rotating savings you can trust
- Regulated escrow
- Identity verification
- Direct debit mandates
- Trust scoring
Rotating savings circles you can trust
Join circles, contribute on schedule, and receive payouts with escrow protection and verified mandates.
Escrow-protected payoutsIdentity verificationDirect debit mandatesTrust scoringFixed slot order
Everything you need to save together
Built for real rotating savings circles — not generic group wallets.
Join savings groups
Create or join an Ilè Àjo group with confidence.
Direct debit mandates
Set up automatic contributions through your linked bank.
How it works
Contribution circles bring members together to save and receive payouts in a fixed order each round.
- 1
Join a circle
Browse open circles, pick an available slot, and accept the group rules. Your slot determines when you receive the pooled payout.
- 2
Contribute each round
Every member contributes the agreed amount on schedule. Mandates authorize recurring debits from your linked bank account.
- 3
Receive your payout
When all contributions are collected, one member receives the payout based on slot order — protected by escrow until rules are met.
Built for every role in the circle
Choose your experience — manage circles as Control Moni or join as Pack Moni.
Create and manage circles, approve members, and track earnings.
- Create and configure contribution circles
- Approve members and manage slots
- Track earnings and group health
Join rotational savings circles, contribute, and receive payouts.
- Browse and join open circles
- Automatic mandate-based contributions
- Build trust score with on-time payments
Mandate & payout security
Ilè Àjo uses regulated banking partners to protect your debits, escrow balances, and circle payouts.
Direct debit mandates
Mandates are authorized recurring debits from your linked card or bank account. You approve each mandate before it becomes active.
Escrow protection
Contributions are held in regulated, insured escrow accounts until payout rules are met. Other circle members never see your full bank details.
Payout verification
Payouts are sent only to verified linked bank accounts in your name. Identity verification is required before you can receive funds.
Trust & reputation
Your trust score reflects on-time contributions and circle history. Repeated missed debits may pause circle participation.
Frequently asked questions
Quick answers about circles, contributions, and security.
Private beta
Be first when Ilè Àjo opens
The app is not on the stores yet. Request early access or explore how rotating savings circles will work on the platform.
iOS and Android releases are coming soon.