Ajo.money is a fintech startup that operates in the microfinance sector, providing a digital platform for Rotating Savings and Credit Associations (ROSCAs). This model allows groups of individuals to collectively save money and rotate the collection among members, providing a form of zero-interest micro-credit. The platform primarily serves Small and Medium Enterprises (SMEs) and corporate workers, offering them an alternative to traditional banking services.

Ajo.money's business model is centered around community financing. Members can save money on a daily, weekly, or monthly basis and take turns to receive additional credit when needed. The platform also offers an investment opportunity, allowing members to invest their money in valuable assets for up to 15% Return on Investment (ROI) per annum.

In addition to its core services, Ajo.money provides an API for developers and businesses, enabling them to launch their own savings and credit platforms. This service helps users build credit for saving and offers a flexible credit union for customers and employees. Businesses can also sell to Ajo.money consumers and offer a 'buy now, pay later' scheme.

Ajo.money also has an agent program, where individuals can earn money by helping others sign up, contribute to thrift, and access credit. This program is particularly aimed at helping the unbanked population gain access to financial services.

In summary, Ajo.money is a digital microfinance platform that leverages the ROSCA model to provide zero-interest credit and savings services to SMEs, corporate workers, and the unbanked population.

Keywords: Fintech, Microfinance, Rotating Savings and Credit Associations (ROSCAs), Small and Medium Enterprises (SMEs), Community Financing, Investment, API, Credit Union, Agent Program, Unbanked Population.