Monicircle modernizes ajo, esusu, and cooperative savings — replacing manual records with a transparent, automated platform every member can trust.
Circle Pool
₦2,450,000
Adaeze O.
Paid
Bello M.
Paid
Funke A.
Pending
Next payout
Bello M. · Aug 15
Members active
All contributions on track
100%
Transparent ledger
₦0
Manual record-keeping
Live
Contribution tracking
30+
Members per circle
Creating a circle and inviting your first members takes less time than your next group chat message.
Set up your group, define contribution rules, and invite members. Takes about 3 minutes.
Members pay in on schedule. Every transaction is recorded and visible to the whole group instantly.
The rotation runs itself. Every member receives their full payout on time, every time.
From first contribution to final payout — Monicircle handles the complexity so your group doesn't have to.
Set your schedule once. Monicircle handles every round — no chasing, no missed payments.
Every member sees their payout date from day one. Transparent, automated, dispute-free.
Every naira in, every payout out — visible to all members instantly.
Identity checks and contribution history before anyone joins your circle.
Every action is timestamped and logged. Resolve conflicts with facts, not feelings.
Short-term loans backed by the group pool — managed fairly, repaid cleanly.
Trust is our currency. We are committed to the security of your money and the protection of your group.
Learn moreYour data is encrypted in transit and at rest. Two-factor authentication on every account.
Member funds are held with licensed custodians, fully segregated from operating accounts.
Monicircle operates in full compliance with Nigerian financial regulatory requirements.
Identity verification before joining any circle means you always know who you're saving with.
"We used to fight over who contributed and who didn't. Monicircle ended all of that. Everything is there in black and white."
Adaeze O.
Market Women Cooperative, Onitsha
"Our ajo group has 40 members. Managing it manually was a nightmare. Now I spend 10 minutes a month instead of 10 hours."
Bello M.
Group Admin, Kano
"The payout schedule is automatic and everyone can see it. Trust issues we had for years — gone."
Funke A.
Cooperative Secretary, Lagos
No credit card. No hidden fees. Your first month is on us.
Monicircle is launching soon. Join the waitlist for early access, onboarding support, and a free first month for your group.