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
FixVault locks a term with a rate fixed at deposit. FlexVault holds a flexible goal with no lock at all. Either way, the terms are on-chain and non-negotiable — no willpower required.
Terms are set once, at creation, as part of the vault’s configuration — there is no governance vote or admin key that can move a rate or a maturity date after the fact.
A rate you can verify, not a promise you have to trust
FixVault’s rate is fixed the moment you deposit and printed on-chain — never a floating APY, never adjusted later. Circles and FlexVault pay a reward for finishing instead, not for waiting.
Every rate and every completion reward is disclosed per vault, capped, and set before you commit — 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, FixVault, and FlexVault are configuration, not separate codebases. New vault types ship without a new audit cycle.
No administrator override
Nobody — including the creator — can change contribution rules, rates, maturity dates, or redemption rights once a vault is live.
Not even AjoHive’s own team holds a key that can pause redemptions or redirect funds once a Circle, FixVault, or FlexVault is active.
Publicly verifiable
Every Circle, FixVault, and FlexVault is its own on-chain object. Anyone can verify its rules and accounting directly — nothing is taken on faith.
A vault’s balance, rate, and accounting can be read straight from Base — no dashboard, API key, or trust required to check it.
Three products.
One promise: you get it back.
Whichever problem above is yours — an organizer you can't fully trust, a rate that quietly loses to inflation, or a savings habit that keeps slipping — there's a product here built for it. All three run on the same audited protocol. What changes is the shape of the commitment, never the guarantee that your principal comes back.
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. No one, including us, can touch a seat's funds out of turn.
Open on TelegramWhat’s included?
FixVault
Lock a lump sum for a fixed term and earn a rate that’s disclosed and locked in the moment you deposit — never adjusted after the fact, never dependent on market conditions. Your position is a transferable NFT, so it’s yours to hold, send, or sell.
Open on TelegramWhat’s included?
FlexVault
Recurring, no-lock savings for a goal you’re building toward on your own schedule. Contribute as often as you choose, close whenever you need to — the only thing that changes is whether you’ve earned the completion reward yet.
Open on TelegramWhat’s included?
The honest version of a rate
FixVault is the one product here with a real, disclosed rate — fixed the moment you deposit, printed on-chain, and never adjusted for that vault afterward. It is not a floating APY that moves with market conditions, and it is not a promise about idle capital sitting somewhere generating yield; it is a fixed number you can verify before you commit. Ajo Circles and FlexVault work differently: what you save is what you get back, plus an optional completion reward for actually finishing — capped at 10% for public Circles, 8.5% for private ones, and up to 15%/yr for FlexVault, prorated to how long you committed. A creator can also set a small, disclosed Organizer Fee and Deferred Savings portion on a Circle — both default to off, and neither is ever hidden in fine print.
Additional configurations — community funds, sponsored savings, investment clubs — ship as new templates on the same protocol, not new contracts. The same disclosure standard applies to all of them: every rate and every reward is visible before you commit to it, never after.
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 Vault
Choose Ajo Circles for group savings, FixVault to lock a lump sum at a fixed rate, or FlexVault for a flexible recurring goal. Terms are disclosed upfront and become immutable the moment it is created.
Save, verify, redeem
Deposit, track your progress on-chain, and redeem your principal plus your rate or completion reward once you finish — independently, with no admin in the loop.
Not a database entry.
A claim you hold yourself.
None of what you just saw runs on trust — it's enforced by two structural choices underneath every product on this page.
Locked doesn't mean
stuck.
Your FixVault deposit is minted as a Position NFT — cryptographic proof of your principal, the rate you locked in, and your redemption rights. Need liquidity before maturity? Sell or send the position itself. It's not a record AjoHive keeps about you; it's the ownership, in your own wallet.
Circle lifecycle
Isolated by design,
not just in theory.
Every Circle, FixVault, and FlexVault deploys as its own lightweight, publicly addressable contract — and it holds its own funds directly. There is no shared vault, no central pool one bug could drain. A problem in one instance can only ever touch that instance's money; it has no path to reach anyone else's.
You'll never see
most of this — that's the point.
No seed phrase to write down. No gas fee to figure out. No separate app to install. Five pieces of infrastructure do the work in the background, so opening AjoHive feels like opening any other app — even though what's underneath it is a fully on-chain protocol.
Bank transfer is live today, starting in Nigeria; debit card, Apple Pay, and Google Pay on-ramps are on the roadmap for public launch, alongside expansion into more African markets — see the Litepaper.
Insights
& Docs
Technical documentation for the protocol — architecture, state machine, and accrual math, written for anyone evaluating or building on AjoHive.
Browse the docsMechanics
How FixVault Works
A lump-sum deposit, a rate disclosed and fixed the moment you commit, and a position you can hold, send, or sell.
Architecture
Circle & Vault Lifecycle
Pending, Active, Completed, Dissolved for a Circle — and why FixVault and FlexVault track state per position instead.
Mechanics
Completion Reward
How Ajo Circles and FlexVault pay for actually finishing — capped, funded upfront, never a projected return.
Stop trusting people.
Start trusting code.
Every AjoHive Circle, FixVault, and FlexVault 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 · Every rate and reward disclosed before you commit — read the Risk Disclosure