₦airaland Forum

Let's be honest with ourselves for a moment.
We all love ajo. Esusu. Susu. Adashe. Whatever your side of the country calls it, that monthly contribution has built more shops, paid more school fees, and bought more plots of land than most bank loans ever will.
But you know wetin we no dey talk about? The wahala.

The coordinator who keeps the records "for safe keeping" inside one exercise book that only she can read. The member who swears on everything that he paid last month (he did not). The endless WhatsApp group of "Please who has paid? Send proof." And the small voice in the back of your mind every single cycle: "I hope this money no go enter voicemail."
Trust is beautiful. But trust plus proper record-keeping? That one is unbeatable. That's why I built ThriftVault.

ThriftVault is a mobile app that handles the boring-but-important part of running a thrift group, so the contributions, the confirmations, the payout order, and the "who has paid and who is forming James Bond" all live in one clean place that everybody can see. No more arguments. No more mystery exercise book. No more chasing people one by one.
To be clear, ThriftVault does not hold your money. It is your group's record keeper, referee, and memory, all in one. Your money moves the way your group already trusts. ThriftVault just makes sure nobody can rewrite history.

A few things it does:

✅ Tracks every contribution and confirms payments
✅ Manages who joins, who pays, and whose turn it is to collect
✅ Keeps the whole group on the same page, in real time
✅ Sends reminders so "I forgot" stops being a valid excuse

I'd rather show you than tell you. Watch this:

#ThriftVault pic.twitter.com/2AJZnpEksn

— Jay Bee (@AjibolaJay) June 13, 2026

If your group has ever had "that one cycle" that nearly ended friendships, this is for you.
Download it and take it for a spin:

Android (Play Store): https://play.google.com/store/apps/details?id=app.thriftvault.mobile

iPhone (App Store): https://apps.apple.com/app/id6769897907

Website: https://thriftvault.app

Try it with your group and tell me what you think. I built this to solve a real Naija problem, so I genuinely want your honest feedback, the good, the bad, and the "Oga why this button dey here." Drop your thoughts below.

*Answers to some of the questions thus far:*

*Does ThriftVault hold my money?*

No. This is the most important thing to understand. ThriftVault does not collect, hold, or move your contributions. Your money moves exactly the way your group already does it, directly between members and the coordinator. ThriftVault is the record keeper: it tracks who paid, confirms payments, and shows whose turn it is to collect. Think of it as the exercise book and the referee, not the bank.

*So is it CBN approved? Are you holding funds?*

Because we don't hold or move funds, ThriftVault is not a deposit-taking or money-transfer service. It's a coordination and record-keeping tool. There's no pot of your money sitting with us for anyone to run away with, the money never touches us in the first place.

*What's the interest rate?*

There isn't one, and that's by design. ThriftVault is not a savings platform like Piggyvest or Cowrywise where you deposit money to earn interest. It's a different thing entirely: it's for groups already running ajo/esusu/susu who want to do it without the record-keeping wahala. If you want interest on idle savings, those apps are great at that. If you're running a thrift group and tired of arguments over who paid, that's what ThriftVault is for. Different problems.

*"It's almost the same as normal ajo, what if the record keeper absconds?"*

Fair question, and here's the key difference: in normal ajo, one person holds the exercise book and only they know the true record, that's exactly the risk. With ThriftVault, every member sees the same records in real time on their own phone. No single person can quietly rewrite history or hide a payment. It doesn't replace trust; it makes the trust verifiable, so the records aren't controlled by one person anymore.


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okay. Beautiful
What’s the interest rate
Well, Piggyvest remains the best in terms of simplicity and interest rates. I don’t think I’m interested in any other one

Ok. Hope its CBN approved? B4 them run away with my money like one man that stole another mandates

another piggy piggy..
i need more characters please

Is good but I will rather save my money daily in my bank savings account, it was created for the purpose of saving money properly under the safety of a bank ...I have had stories of people running away with money entrusted by their clients to save for them ...if your piggy bank is not safely kept away ,someone might get their hands on your piggy bank and do u strong thing

The information I am reading is not balanced ooo.....record keeper ke? If that record keeper decides to abscond with the money nkor? It's almost the same thing with normal ajo jare

na so one woman japa with my money in 2015

Do you have API's for identity verification? Reach out to me if you haven't

jaybee3:
Let's be honest with ourselves for a moment.
We all love ajo. Esusu. Susu. Adashe. Whatever your side of the country calls it, that monthly contribution has built more shops, paid more school fees, and bought more plots of land than most bank loans ever will.
But you know wetin we no dey talk about? The wahala.

The coordinator who keeps the records "for safe keeping" inside one exercise book that only she can read. The member who swears on everything that he paid last month (he did not). The endless WhatsApp group of "Please who has paid? Send proof." And the small voice in the back of your mind every single cycle: "I hope this money no go enter voicemail."
Trust is beautiful. But trust plus proper record-keeping? That one is unbeatable. That's why I built ThriftVault.

ThriftVault is a mobile app that handles the boring-but-important part of running a thrift group, so the contributions, the confirmations, the payout order, and the "who has paid and who is forming James Bond" all live in one clean place that everybody can see. No more arguments. No more mystery exercise book. No more chasing people one by one.
To be clear, ThriftVault does not hold your money. It is your group's record keeper, referee, and memory, all in one. Your money moves the way your group already trusts. ThriftVault just makes sure nobody can rewrite history.

A few things it does:

✅ Tracks every contribution and confirms payments
✅ Manages who joins, who pays, and whose turn it is to collect
✅ Keeps the whole group on the same page, in real time
✅ Sends reminders so "I forgot" stops being a valid excuse

I'd rather show you than tell you. Watch this:

#ThriftVault pic.twitter.com/2AJZnpEksn

— Jay Bee (@AjibolaJay) June 13, 2026

If your group has ever had "that one cycle" that nearly ended friendships, this is for you.
Download it and take it for a spin:

Android (Play Store): https://play.google.com/store/apps/details?id=app.thriftvault.mobile

iPhone (App Store): https://apps.apple.com/app/id6769897907

Website: https://thriftvault.app

Try it with your group and tell me what you think. I built this to solve a real Naija problem, so I genuinely want your honest feedback, the good, the bad, and the "Oga why this button dey here." Drop your thoughts below.



Sponsored Post

Do you have API's for identity verification and credit verification? You can reach out to me.

saintbillion:
Ok. Hope its CBN approved? B4 them run away with my money like one man that stole another mandates

go school you say no. what's cbn's business with a mobile app

jaybee3:
Let's be honest with ourselves for a moment.
We all love ajo. Esusu. Susu. Adashe. Whatever your side of the country calls it, that monthly contribution has built more shops, paid more school fees, and bought more plots of land than most bank loans ever will.
But you know wetin we no dey talk about? The wahala.

The coordinator who keeps the records "for safe keeping" inside one exercise book that only she can read. The member who swears on everything that he paid last month (he did not). The endless WhatsApp group of "Please who has paid? Send proof." And the small voice in the back of your mind every single cycle: "I hope this money no go enter voicemail."
Trust is beautiful. But trust plus proper record-keeping? That one is unbeatable. That's why I built ThriftVault.

ThriftVault is a mobile app that handles the boring-but-important part of running a thrift group, so the contributions, the confirmations, the payout order, and the "who has paid and who is forming James Bond" all live in one clean place that everybody can see. No more arguments. No more mystery exercise book. No more chasing people one by one.
To be clear, ThriftVault does not hold your money. It is your group's record keeper, referee, and memory, all in one. Your money moves the way your group already trusts. ThriftVault just makes sure nobody can rewrite history.

A few things it does:

✅ Tracks every contribution and confirms payments
✅ Manages who joins, who pays, and whose turn it is to collect
✅ Keeps the whole group on the same page, in real time
✅ Sends reminders so "I forgot" stops being a valid excuse

I'd rather show you than tell you. Watch this:

#ThriftVault pic.twitter.com/2AJZnpEksn

— Jay Bee (@AjibolaJay) June 13, 2026

If your group has ever had "that one cycle" that nearly ended friendships, this is for you.
Download it and take it for a spin:

Android (Play Store): https://play.google.com/store/apps/details?id=app.thriftvault.mobile

iPhone (App Store): https://apps.apple.com/app/id6769897907

Website: https://thriftvault.app

Try it with your group and tell me what you think. I built this to solve a real Naija problem, so I genuinely want your honest feedback, the good, the bad, and the "Oga why this button dey here." Drop your thoughts below.



Sponsored Post

I will never understand why people do ajo that doesnt come with interest. Learn to be discipline n save

Be guided

Be guided

Be guided

bjcole:
go school you say no. what's cbn's business with a mobile app

That shows this app is a complete scam in the future

bjcole:
go school you say no. what's cbn's business with a mobile app

U go sch reach me baba I doubt

123readygo:
okay. Beautiful
What’s the interest rate
Well, Piggyvest remains the best in terms of simplicity and interest rates. I don’t think I’m interested in any other one

no tax no commission
I go with you
No policy from presi

Ajo worked because of a social system that is difficult to replicate in an app.

There are 2 issues with ajo. 1. The organizer abscond with the money.
2. 1 or more members refuse to contribute after collecting the pot in previous rounds.

Both of this are resolve using a social justice system.

Apps like this and others can only resolve problem 1. Replace the organizer with an app.

After collecting the pot, there's very little you can do to ensure I'll keep contributing. I can cancel my credit card. You best bet is to initiate a small claims procedure, but by then, the ajo group is over.

What you can do, App owners, is to guarantee payment to all members. If someone refuses to pay, you'll cover the payment and initiative a claim procedure on the side with them.

Ajoo with people that I don't know? The people wey I know sef know dey gree pay sometimes... Oya na

Look at a pot trying to call a silverware black. You actually showed that you didn't go to school. Don't you know that CBN approval authenticate such an app and don't you also know that CBN also regulates all organisation dealing with people's money. Forget the fact that some don't approach CBN for approval.

bjcole:
go school you say no. what's cbn's business with a mobile app

This isn’t anything new we’ve seen similar services from other fintechs before; you’ve just given it a new name.

What we expect from you instead is clear proof that your thrift app is insured by NDIC and licensed by the CBN.

No reasonable person would just deposit money anywhere without proper assurance.

pcagbaji:
That shows this app is a complete scam in the future

the app is just like every other regular app. its just to computerise the activities that's all

Me am a user of this app. Please note this app served as book keeping organize that all. How is it a scam. Dm me on 08039576905 I will show you how I use it to organize colleagues at the office with contributions

Is beta 4 me to using my money to fry egg nd banana nd chop..

Rada Dan to put it with pple , l don't knw ..

Pple wey l knw self ... I no fit do Ajo with dem..talkless of online pple

omoadeleye:
This isn’t anything new we’ve seen similar services from other fintechs before; you’ve just given it a new name.

What we expect from you instead is clear proof that your thrift app is insured by NDIC and licensed by the CBN.

No reasonable person would just deposit money anywhere without proper assurance.

This app you don't deposit money bro

Bro. Just get to understand this that the app do not collect any funds. How on earth do you want to understand this. This app is a Book keeping. Even if this app failed you in the future, it doesn't affect everyone funds. Dm on 08039576905 I will show you a video how I use it to organize my colleges at the office with 20k contributions among ourselves.

kakaG:
The information I am reading is not balanced ooo.....record keeper ke? If that record keeper decides to abscond with the money nkor? It's almost the same thing with normal ajo jare

Bro. Just get to understand this that the app do not collect any funds. How on earth do you want to understand this. This app is a Book keeping. Even if this app failed you in the future, it doesn't affect everyone funds. Dm on 08039576905 I will show you a video how I use it to organize my colleges at the office with 20k contributions among ourselves.

bjcole:
go school you say no. what's cbn's business with a mobile app

I swear someone people just don't read at all[color=#990000][/color]

I dey trust nairaland for all these news. Hope this no go fall hands.
..let me check!

Opay is already doing the needful.

udemzyudex:
Opay is already doing the needful.

I think according to the details above; it’s different from what opay does.
I’ll give the website a try before downloading

Lol. One chance app… just a matter of time. Just like mmm