—
—
—
–rounds paid
–missed
–pots received
–circles done
Live on Arcajo · esusu · susu · chama
Save together
in dollars.
The rotating savings circle millions already trust, rebuilt on Arc. Members hold only USDC, sign instead of paying gas, and the pot pays out the instant the last share lands.
- $0gas paid by members
- 0.8slast share to payout, measured
- 1asset to hold: USDC
Ajo NigeriaEsusu YorubaSusu Ghana & the CaribbeanChama KenyaTontine CameroonStokvel South AfricaGam'eya EgyptTanda MexicoHui China & VietnamPaluwagan PhilippinesArisan IndonesiaKye Korea
One idea, many names, on every continent. Ajo keeps the ritual and fixes what breaks it: the late member, the organizer holding the cash, the savings losing value while they wait.
Four moves. Zero gas.
-
01
Organize
Pick the amount, the members and the round length. Creating a circle is free; the relayer pays the gas.
-
02
Join with a signature
Your wallet signs a USDC authorization for the deposit plus a tiny fee. No gas token, no approval transaction.
-
03
Pay each round
Sign, done. When the last share arrives, the same transaction pays the whole pot to that round's member.
-
04
Nobody stalls it
Miss a deadline and anyone can settle: your share comes from your deposit and the pot still goes out. Deposits return at the end.
Dollars that are also the gas.
On Arc, USDC pays for the network. So a member's dollars are all they ever need, and the relayer can be repaid in the same dollars, out of the amount they signed.
Paying into a circle elsewhere
- 1Buy a separate gas token
- 2Approve USDC (a transaction)
- 3Send the contribution (another one)
- 4Wait for confirmations
Two volatile assets, two transactions, an anxious wait.
Paying into an Ajo circle on Arc
- 1Sign once. That's it.
The relayer submits it, keeps a 0.005 USDC fee from the signed amount (the contract caps it at 0.05), and the pot pays out in the same transaction.
~0.004USDCnetwork cost of a contribution, paid by the relayer
<1sfrom the last share to a spendable pot
0tokensbesides USDC a member ever touches
Savings passport
Every share you pay is a stamp.
The contract keeps a record for every member: rounds paid, rounds missed, pots received, circles completed. It belongs to the saver, not a bank, and any lender or app can read it. A credit history for people banks ignore.
Start one in a minute.
Organizing is free and needs no wallet. To join or pay, connect any browser wallet on Arc. You only need USDC.
Open a circle
Got a link from a friend? It opens here. Or create a circle and share yours.