We're building the
operating system for savings.
AjoHive began as several separate savings products. We rebuilt it as one programmable protocol — because a private plan, a shared plan, and a rotating circle were never really different systems. They were the same primitive, configured differently.
Base L2
Settlement layer
Up to 15%
Completion reward
Position NFT
Ownership model
Telegram
No wallet setup
Many products. One protocol.
The realisation that changed everything.
When AjoHive first launched, we shipped several separate savings products, each with its own logic, assumptions, and branding. They solved real problems, but under the hood they were all the same idea: a programmable savings plan with different rules attached.
So we rebuilt the protocol around two primitives. Instead of maintaining a separate contract per product, AjoHive now exposes Ajo Circles and Savings Plans as configurations of one generalised savings protocol, sharing identical accounting, security guarantees, and settlement logic. An Ajo Circle, for instance, modernises informal savings circles — ajo, esusu, njangi, stokvels — without requiring a trusted organiser; principal accounting and settlement are enforced entirely on-chain instead.
Every participant owns a transferable Position NFT — cryptographic proof of their principal, any completion reward earned, and redemption rights. Ownership follows the NFT, not whoever happened to make the first deposit. And because every Circle and Plan runs through one audited protocol, every improvement benefits everything built on top of it. There's no yield or APY quoted anywhere — what you save is what you get back, plus a reward for finishing.
One protocol, not a product line
Every Circle and Plan runs through the same audited protocol. New savings experiences ship as configuration, not new contracts.
Immutable by design
No administrator — not even the creator of a Circle or Plan — can override contribution rules, maturity dates, or redemption rights once it's live. Funds follow code, not promises.
Ownership you can verify
Every participant holds a transferable Position NFT representing their principal, any completion reward earned, and redemption rights. Ownership follows the NFT, always.
Built for Africa, not only for Africa
We started with the savings challenges we understand most deeply — informal group savings, currency erosion, idle cash. The protocol itself works anywhere.
Ready to put your savings
on a protocol?
Start saving in dollars — straight from Telegram, with ownership you can verify yourself.