40M+
Nigerians in Ajo / Esusu savings
₦1.2T+
Annual savings at risk annually
57%
Adults with no formal credit file
The opportunity
Collectors disappear. Savings vanish.
Ajo, Esusu, Akawo, and Adashe savings groups serve millions of Nigerian traders and families. They run entirely on personal trust — and when that trust breaks, contributors lose months of savings with no records, no recourse, and no warning.
Your savings. Visible to you. Always.
KaloFi gives every contributor a real-time window into their own savings — independent of the collector, accessible on any phone via WhatsApp, app, or USSD. Raise the alarm before money disappears, not after.
How it works
Collector logs your contribution
→
You get instant WhatsApp alert
→
Balance visible anytime, any phone
→
Red flag raised early if anything is wrong
The journey
1
Trust
Accountability · Now
2
Monitor
Bank oversight · Year 1
3
Credit
Loans from savings · Year 2
4
Platform
Full financial services · Year 4+
Who we serve
Contributors
- Market traders and provision store owners saving weekly or monthly
- Anyone in a group rotation or saving personally toward a goal
- Families building financial discipline together
Collectors
- Alajo, akawo, and Esusu collectors who want to prove their honesty
- Cooperatives and savings associations of any size
Our promise
Your money stays yours
We never hold your savings. We make the person who does accountable to you.
Always transparent
Check your balance any time from any phone. WhatsApp, app, or USSD.
Early warning, not late grief
KaloFi signals a problem before a collector disappears — not after months of silence.
Savings build your credit
Years of consistent saving become a credit history that opens doors to formal finance.
Starting in
Abia and Anambra States, Southeast Nigeria
Building toward pan-Nigeria coverage — Ajo, Esusu, Akawo, and Adashe communities across all regions