500+THRIFT ADMIN
Access moneywhen you need itAccess
money when
you need it
Join trusted Ajo and thrift savings groups, grow your savings, and reach your goals without loan stress.
Join thousands of people reaching their savings goals with CircleFunds.
1,000+SAVINGS GROUP
PRIVATE THRIFT
Save with thepeople you trust
The digital Ajo experience — built for real life. Start or join a thrift circle with people you trust, contribute automatically, and collect your payout when it’s your turn.Save with people you know — friends, family, colleagues. You control who joins your Ajo circle, how much everyone contributes, and the payout order.
- You set the rules
- Contributions are automated
- Payouts are guaranteed
COMMUNITY THRIFT
Join a group ofverified savers
Don’t have a circle? We match you with verified savers using bank statement analysis — so you’re grouped by income level, not chance.Don’t have a circle? We match you with verified savers using bank statement analysis — so you’re grouped by income level, not chance.
- Every member is verified
- Join instantly, no waiting
- Grouped with savers at your financial level.
TARGET SAVINGS
Save for whatmatters
Travel, rent, school fees, business capital. Set the goal once, and let the saving happen on its own.Travel, rent, school fees, business capital. Set the goal once, and let the saving happen on its own.
- Goal-based saving
- Flexible timelines
- Progress tracking
Whythousands ofsavers chooseCircleFundsWhy thousands of savers choose CircleFunds
Community & Accountability
Struggling to save alone? Join a verified community that keeps you motivated to reach your goals.
Flexible Savings Options
Choose how much you want to save, how often you want to save, and when you want to receive your payout.
Automated Contributions & Payouts
Contributions and payouts are automated, so you don’t have to chase anyone. Your wallet gets credited when it’s your turn.
Smart Recommendations
We analyse your bank statements to recommend a thrift group that fits your income and spending patterns.
Financial Goal Tracking
Track your progress and stay motivated. Your CircleFunds dashboard shows you how close you are to reaching your financial goals.
Transparency & Trust
Every saver is verified and every contribution is tracked, so you can save with confidence.
Recognised for a reason
Start Global Incubator 2025 – Africa Category winner
Joined the 2025 START Global incubator cohort and won the africa category at the global startup pitch competition
YASR30 2026
Selected for the Yale Africa Startup Review list, spotlighting 30 of Africa’s most innovative early-stage startups.
YASRYale Africa Startup Review
Start saving smarter today
Whether you’re saving for a rainy day or a big dream, CircleFunds makes it easy, secure, and collaborative
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