About CoSayv
The modern home of traditional Ajo.
Communities have saved together for generations. CoSayv keeps that tradition — the trust, the rhythm, the togetherness — and adds the protection that money deserves in the digital age.
Our story
A tradition that has worked for centuries. Now it’s protected.
Ajo is a promise: a group of people agrees to save a fixed amount on a fixed schedule, and each member takes a turn receiving the pool. No interest, no bank, no paperwork — just people who keep their word.
That promise has one weakness: it depends entirely on trust. One missed payment can shake a circle that entire families rely on. CoSayv was built to remove that weakness without removing the tradition — automating the rules, protecting contributions, and making trust visible through verified identity and a live credibility score.
Rooted in tradition
Ajo, esusu, and other rotating savings groups have helped families and communities build wealth for generations — long before banks were part of the picture.
Built for safety
We kept the tradition and removed the risk. Rules are enforced automatically, identity is verified, and every member’s money is protected by a pre-fund.
Made for everyone
Savings circles are trusted in so many communities around the world. CoSayv brings that trust to the US, Canada, the UK, and Nigeria — starting January 2027.
What we stand for
Four values guide everything we build.
Community first
Ajo has never been about one person. It works because groups of people show up for each other. Every feature we build starts from what strengthens the group, not the individual.
Trust, made visible
A credibility score from 50 to 850 makes it easy to see who shows up. KYC-verified identities and transparent payment history give members confidence before money moves.
Protection by design
Pre-funds, grace periods, and automated enforcement protect every member’s contribution — so one missed payment can’t derail a circle that everyone depends on.
Fairness in everything
Transparent 1% and 0.5% fees, clear rules agreed up front, and payouts that follow the group’s own terms. No fine print, no surprises.
The company
Built properly, from day one.
CoSayv is operated by CoSayv Limited, a company registered in England and Wales. We take our regulatory obligations seriously and are in the process of registering as an agent under a licensed Electronic Money Institution authorised by the Financial Conduct Authority.
Registered in
England and Wales
Company Number: 17353081
Registered address
124 City Road, London, EC1V 2NX
Contact
info@cosayv.com