Save Together.
Build Trust.
Grow Together.
Join savings circles with people you trust. Our AI ensures nobody runs away with your money — every naira is tracked, protected, and accounted for.
TRUSTED BY NIGERIANS WHO SAVE TOGETHER
How CoopAI Works
Three simple steps. No wahala. Your money is safe.
Create or Join a Circle
Start a savings circle with people you know — your market group, church members, or friends. Set the amount, frequency, and invite them via WhatsApp.
Contribute on Time
Pay your contribution from your wallet — daily, weekly, or monthly. Every payment builds your TrustScore and earns you earlier payout positions.
Get Paid When It's Your Turn
When your payout turn comes, the full amount goes straight to your wallet. Higher trust = earlier position. Withdraw to your bank anytime.
Your TrustScore is
Your Reputation
Every on-time payment, every completed circle, every verified identity — they all build your TrustScore. The higher your score, the bigger circles you can join and the earlier you get paid.
7 Layers of Protection
Your money no fit disappear. Every naira is tracked, locked, and protected.
BVN + NIN Verified
Every member's identity is verified. You can't hide — one BVN, one account.
AI Fraud Detection
Our AI monitors every transaction in real-time. Suspicious patterns are flagged instantly.
5% Reserve Fund
Every circle has a reserve fund that covers defaults. No member loses money because someone else didn't pay.
Delayed Payouts for New Users
First-time recipients get a 48h hold while AI runs risk checks. Trusted members get instant payouts.
TrustScore Gating
New users start with small circles only. Earn trust to unlock bigger amounts — you can't game the system.
Immutable Ledger
Every kobo is recorded in a tamper-proof ledger. Nobody can edit, delete, or hide transactions.
Built for Nigerians Who Save Together
Whether you're in the market, office, church, or school — CoopAI works for you.
Market Traders
Daily or weekly ajo with your market group. Same system, now digital and safe.
Church & Mosque Groups
Welfare contributions with full transparency. Every member can see the balance.
Students
Small circles starting at ₦2,000. Save for textbooks, rent, or school fees together.
Salary Earners
Monthly contribution clubs with your colleagues. Bigger circles, trusted members.
Questions People Ask
What if someone doesn't pay?
Every circle has a 5% reserve fund that automatically covers defaults. The person who missed payment gets a TrustScore penalty — making it harder for them to join future circles. And because everyone is BVN-verified, they can't just disappear.
Is my money safe?
Yes. Every transaction is recorded on an immutable ledger — it can't be edited or deleted. Payments go through Paystack (same system your bank uses). And 7 layers of security including AI fraud detection protect every naira.
How do I join a circle?
You can create your own circle and invite your group via WhatsApp, or join an existing circle through the app. New users start with small circles (₦5,000 max) and unlock bigger ones as their TrustScore grows.
How much does it cost?
Free to download and use. A small 1.5% fee on contributions covers the security infrastructure. That's ₦150 on a ₦10,000 contribution — less than a POS transfer fee.
Who determines when I get paid?
Your TrustScore determines your payout position. Higher score = earlier payout. This way, reliable members who always pay on time get rewarded — and new members need to prove themselves before collecting early.
What is ajo / esusu?
Ajo (also called esusu or adashe) is a traditional Nigerian savings system where a group of people contribute money regularly and take turns receiving the total amount. Millions of Nigerians already do this — CoopAI makes it safer with technology.
Start Saving with Your Circle Today
Download CoopAI, verify your identity, and join or create your first savings circle in minutes. Your money, your people, your trust.
Free to download. No subscription required. Start with as little as ₦2,000.