dannyy2000/ajofi

AI-powered trustless rotating savings protocol for West Africa, built on Stellar # AjoFi > AI-powered trustless rotating savings protocol for West Africa, built on Stellar. --- ## Table of Contents - The Problem - The Solution - How It Works - The AI Layer - Why Stellar - Integrations - Business Model - Target Audience - Architecture - Tech Stack - Repository Structure - Setup - Builder --- ## The Problem Rotating savings — called **ajo** in Nigeria, **esusu** in Yoruba, **susu** in Ghana, **tontine** in Francophone West Africa — is one of the most widely practiced financial systems on the continent. A group of people contribute a fixed amount every round, and each round one member collects the full pot. Simple. Effective. Decades old. Over **14 million West Africans** actively participate in rotating savings groups. It is how people buy furniture, pay school fees, cover rent, start businesses, and build capital without access to formal credit. It works because of community trust — and that trust is the system's single biggest vulnerability. Three structural problems have gone unsolved for generations: --- ### 1. Organizer Fraud Every traditional ajo group has a human organizer — someone who collects contributions from members and is responsible for paying the round winner. That person holds everyone's money with no accountability mechanism. There is no smart contract, no escrow, no legal framework that applies. Nothing stops them from disappearing with the pot. This is not a theoretical risk. It happens constantly. Groups that have run successfully for years collapse overnight when an organizer decides to take the money and go. Members lose months of savings with zero recourse. The community trust that enabled the group becomes the very thing that was exploited. The deeper problem is that this attack surface cannot be closed by better vetting or stronger social ties. As long as a human holds the funds, the risk exists. The only real fix is to remove the human from the equation entirely. --- ### 2. Diaspora Exclusion The Nig …