We Simplified
AJO, ADASHE, ESUSU !!!

An online savings app for the regular offline seller and a 10X improvement on their card marking contribution scheme

Our take to the unpopular problem

in the advent of technology the traditional savings model have been unrivaled for decades. The problem has been whispered for years and for us we decided to approach it using 3 ways.1. Customizable Savings
2. Automated Loan Repayment
3. Access to Health insuranceAll these can be achieved using our digital card marking contribution scheme.

safe and secure

We verify your identity using your bank account. The same bank account receives all saved contributions when being paid out avoiding any third party payments.

Offline first

We digitized the popular card marking daily contribution scheme by replacing it with an SMS based software that mimics the offline saving process perfectly

Trust redefined

We noticed that there is this fear of losing money due to disappearance and decided that with a click of a button you get your money back instantly

Risk averted

We understood the roles and importance each thrift collector plays in the collective informal saving ecosystem and decided to replace them with every seller's trusted customer

Social Inclusion

We understood that majority of people participating in this scheme are not using a smartphone thus we decided to add something unique for them by default (Auto Withdrawal)

Community driven

We realized that it will be difficult for most people to access certain features and decided that anyone by proxy with a smartphone can help them access such features without compromise

Full digital experience

With a smartphone we provide you with the best user experience combining both the daily contribution scheme and a digital wallet into a single unit

Roles that defines the experience

Choose the right user persona to complete the savings cycle

For Buyers

We enable buyers have access to a community of petty traders or business owners willing to accept bank transfers for their goods replacing what should have been a cash based transaction

1. Pay for goods and services directly from your bank account
2. Become seller's thrift collector and mark their card
3. Support seller in their financial journey and discipline

Buyer's Roles

For sellers

We convert all seller's daily contribution card into a digital wallet using their bank account and also converts their linked phone number into a virtual P.O.S device

Seller's Roles

1. Customize and activate numerous saving cards based on needs
2. Carryout self service and have complete control of their savings
3. Onboard other sellers to the platform and earn for a lifetime

How it works

STEPS TO FOLLOWSTEP 1
Buyer visits seller's business and wants to pay for goods or servicesSTEP 2
Buyer login to the web app with only their active email and ask for seller's bank accountSTEP 3
Buyer makes payment for goods and services via their bank account without leaving the appSTEP 4
Seller receives payment confirmation on their app or via SMS when the transfer is successfulSTEP 5
The payment is automatically transferred to seller's contribution cardOFFLINE SAVINGSSTEP 6 ( PAYOUT )
When all milestones are met before the noon of the expected withdrawal date then we automatically payLOAN REPAYMENTSTEP 7 ( PAYOUT )
When each installment milestones are met before the noon of the expected withdrawal date we automatically payPLEASE NOTE
1. Seller's profile can also be created by existing sellers but new sellers must login to activate more contribution card to accept payment2. Sellers can deactivate both auto withdrawal and reccuring savings during the course of savings.3. Sellers can also closed a card and get back their saved contributions without meeting any withdrawal requirements : Emergency Withdrawal

Transaction Fee

Buyer's Payment
1.5% + #20
Minimum Amount: 500
Maximum Amount: 10,000Seller's Fee
#200 for card activation charged per successful withdrawal
#100 for loan disbursement charged per successful installment
WITHDRAWAL MILESTONE
1. 10 Unit Transaction
2. Card Marking Achieved

EXTRA BENEFITS

LOAN REPAYMENTOne of the major reason why this card marking scheme have become popular in recent times is because it has helped petty traders in their repayment of micro loans or BuyNowPayLater loans and we are excited we found a way to design our product to automate the whole process, send notifications and help them make payments per installments throughout the loan duration. As a registered seller you can duplicate your loan on our platform, save as you would, get notified and we get to make payments directly to your provided bank account per installments.HEALTH INSURANCE