Savings reinvented
for people who don't trust group chats.
AjoHive is a universal programmable savings protocol that lets anyone — alone or with a group — commit money to enforceable, onchain savings rules instead of trusting a person or company to keep their word.
Savings infrastructure
wasn’t built for this.
Trust in group savings
Ajo Circles are enforced by immutable contract logic instead of a trusted organiser — no one can vanish with the pool.
Circles run on a fixed seat count and cycle. Once a circle starts, membership and turn order are locked for the life of the circle.
Savings discipline
Savings Plans with an on-chain, non-negotiable goal or maturity date. No early withdrawal outside the plan’s own terms, no willpower required.
Maturity or goal terms are set once, at creation, as part of the plan’s configuration — there is no governance vote or admin key that can move it.
Rewarded for finishing, not for waiting
No yield, no APY — what you save is exactly what you get back, plus a flexible reward for actually completing your circle or goal.
The completion reward is capped at 15%, disclosed per plan, and tied to finishing — never a projected return on idle capital.
Fragmented products
One programmable protocol powers every savings experience — not a separate, unaudited system per product.
Ajo Circles and Savings Plans are configuration, not separate codebases. New plan types ship without a new audit cycle.
No administrator override
Nobody — including the circle or plan creator — can change contribution rules, maturity dates, or redemption rights once it’s live.
Not even AjoHive’s own team holds a key that can pause redemptions or redirect funds once a Circle or Plan is active.
Publicly verifiable
Every Circle and Plan is its own on-chain object. Anyone can verify its rules and accounting directly — nothing is taken on faith.
A Circle or Plan’s balance, rules, and accounting can be read straight from Base — no dashboard, API key, or trust required to check it.
Ownership follows
the NFT.
Every participant is minted a Position NFT — not a collectible, but cryptographic proof of their principal, any completion reward earned, and redemption rights. It is not a record kept by AjoHive; it is the ownership itself.
Circle / Plan lifecycle
A protocol,
not a vault.
Every savings plan deploys its own lightweight, publicly addressable contract — but it never holds funds. Every plan forwards its operations into one central protocol contract, which performs all custody, accounting, and settlement.
From deposit to completion
in four steps.
Open on Telegram
Search @AjoHiveBot or tap any link. No download, no app store. The protocol lives inside Telegram as a Mini App.
Sign in — one tap
Telegram auth if you're already inside Telegram. Email or wallet via Privy otherwise. An embedded wallet is created automatically. No seed phrases, ever.
Create your Circle or Plan
Choose a template — an Ajo Circle, or a Savings Plan. Duration, contribution amount, and rules are set by the template and become immutable the moment it is created.
Save, verify, redeem
Deposit, track your progress on-chain, and redeem your principal plus any completion reward once you finish — independently, with no admin in the loop.
Save and move value
across what you already use.
Platforms
Assets
One protocol.
Built to reward finishing.
Every Circle and Plan runs on the same audited protocol and settlement engine. Only the participation rules change — not the guarantees, and not the promise that you get back what you save.
Ajo Circles
Ajo, esusu, njangi — reimagined on-chain. Fixed contribution, fixed cycle, fixed seats — one full pot paid out per cycle until every member has received exactly once.
Open on TelegramWhat’s included?
Savings Plans
A personal or shared savings goal, private or public either way. Recurring plans build the habit; lump-sum plans commit the full amount up front — and earn a bigger completion reward for it.
Open on TelegramWhat’s included?
Applies to both — not a separate product
No yield, no APY. What you save in a Circle or Plan is exactly what you get back. Finish your circle's rotation, complete a lump-sum Plan, or hit a recurring Plan's goal, and you can also earn a flexible completion reward — capped at 15% for Ajo Circles and lump-sum Plans, 13% for recurring Plans, since a lump-sum commitment is locked in sooner. Disclosed per plan, it rewards finishing, not capital at risk, and it's never framed as a rate of return.
Additional configurations — community funds, sponsored savings, investment clubs — ship as new templates on the same protocol, not new contracts. The completion-reward structure stays the same across all of them.
Insights
& Docs
Technical documentation for the protocol — architecture, state machine, and accrual math, written for anyone evaluating or building on AjoHive.
Browse the docsMechanics
Wallet vs. Savings Plans
The one distinction that matters most in the dashboard — spendable balance versus committed savings.
Architecture
Vault Lifecycle
Pending, Active, Matured, Settled, Archived — and why a vault’s status is derived, never stored.
Mechanics
How Savings Plans Work
Private or Public, Flexible or Locked — the handful of choices every Savings Plan is built from.
Stop trusting people.
Start trusting code.
Every AjoHive Circle and Plan runs on an immutable, audited protocol — transparent accounting, on-chain ownership, and settlement that no administrator, including us, can override.
Open AjoHive on TelegramFree to start · No wallet setup required · No yield or ROI is offered — read the Risk Disclosure