UNIFIED FINANCIAL ACCESS AI
Easy savings for
low Income
Earners

We're helping millions of low-income individuals achieve financial freedom by making it easy for them to save without needing the internet or a smartphone.

Our AI Platform links them to merchants, banks and vendors, to give them access to goods and financial services they couldn't reach before.

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Alajo main image
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Alajo main image
Alajo main image

We modernised a savings model that existed before banks

By 2030, Alajo will help 9 million Low-income Individuals eliminate bad debt, achieve financial goals, improve their standard of living, and gain hope for a stable future.

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Impact Story

Mrs. Risikat struggles to pay her son's $22 four-month school fees, often using loans and credit lines. By saving $0.6 from her daily earnings, she could save $75 in 4 months, cover fees, buy books, and send him to a better school.

The impact of Alajo extends far beyond one family to millions of individuals facing financial challenges worldwide by empowering individuals like Mrs. Risikat to take control of their finances.

Our commitment to facilitating savings and enhancing financial literacy aims to break the cycle of debt and insecurity, creating a ripple effect of positive change in communities. Together, we are building a future where everyone has the opportunity to thrive, one small step at a time.

Read full story.

Why we Exist?

At Alajo,

we strive to make banking and financial education accessible to everyone, especially low-income workers, traders, and families. By using technology and community banking, we provide essential financial services and products to help lift people out of poverty. Our goal is to ensure that everyone has the tools they need for a better financial future.

Alajo exists to modernize and elevate the traditional savings practices deeply rooted in African culture, particularly those like Ajo, Adashe, and Esusu. These community-based savings systems have served generations, fostering unity and mutual support among members.

Read full story.

In the news

With only a Basic Phone, an ATM Card

Our Customers Can

Save money and make transactions easily

Access financial education in their local language

Get donations, grants, and loans

Use Buy Now, Pay Later (BNPL) or savings-linked payment options

Access insurance, pensions, and micro-wealth products

Build a credit score with AI based on their savings behavior

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Become an Alajo Entrepreneur!

Fill the link on this page and we'd reach out to you on the next steps

We power Ajo (Thrift) Businesses!

You can start an Ajo Business, or power your existing Ajo business.

Agent-business communication system

Instant business insurance

Monthly Revenue up to 400,000 Naira Monthly

A simplified communication system with customers

Instant business transaction records, generation, and export

Access Funds, Grants and Trainings for Growth

Our Awards

Founder of the Year

BSA by 54 Collective with $5,000 Grant, 2024

Finalist at develoPPP Ventures by GIZ, 2024

Winner of Expand NorthStar's Lagos Pitch

First Runner-up at The Launchpad Programme

Top 200 Startups at TechCrunch Battlefield

Female AI Founders

Top Google for StartUps

Selected for the ShEquity Business Accelerator

Selected for The Catapult Inclusion Africa by Luxembourg HoFT, 2022

Nominated startup

What Our Customers are Saying!

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"How Alajo Helped Me Grow from a Home Store to a Thriving Business"

I've been saving with Alajo since 2022, and I like them most because I've never had issues collecting my money whenever I need it. I had only a home store when I started with them, and today I have another shop that has allowed me to increase my income and savings.

- Mrs. Bolanle Abiodun

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"Alajo Keeps My Business Savings Safe and Hassle-Free"

Saving with Alajo has been one of the keys of importance to my business since its existence. They have helped me keep my money for future meaningful use. Since I've been saving with them, I've not had any issues; anytime I need my money, they give it to me, and the savings are going smoothly without any confusion.

- Mr. Adele Ayomide

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"Alajo: A Trusted Name Helping Our Businesses"

Alajo Company has done me well, and their name is well-known and trusted in the community. We love and believe in the impact they are making on our businesses. May God continue to make them progress

- Alhaji Adamson Tewogbade

92%

Of Our
Customers
Recommend Alajo
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News & Articles

Explore Alajo's advancements and the impact of our latest innovation,
which serves as a pioneer in creating an ecosystem that benefits underserved communities.

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AWARDS

18th of July, 2024

Celebrating an Honor: Founder of the Year at the Global Startup Awards Africa 2024

The Alajo team is thrilled to share some incredible news: our founder, Olajumoke, has been honored as Founder of the Year at the Global Startup Awards (GSA) Africa 2024! ...

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SDG GOALS

31st of August, 2024

Alajo's Commitment to the Sustainable Development Goals: Empowering Low-Income Communities

At Alajo, we believe that financial inclusion is key to achieving a more equitable world. As a personal finance solution for low-income, ...

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AWARDS

5th of October, 2024

The Power of Hard Work: Alajo's Journey to TechCrunch Battlefield

As a member of the Alajo team, I am thrilled to share our incredible journey to being selected as one of the Top 200 startups globally at TechCrunch Battlefield in Silicon Valley. ...

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SDG GOALS

25th of February, 2024

How Alajo is Changing Lives: The Story of Mrs. Risikat

At Alajo, we believe in the power of small changes to create significant impacts. One inspiring story that embodies this belief is that of Mrs. Risikat

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AWARDS

30th of June, 2024

Breaking Barriers: Alajo’s Commitment to Financial Empowerment for Everyone

In a world where financial stability often feels out of reach for millions, Alajo is making strides to change that narrative. As a personal finance solution tailored for low-income individuals

Read more