The savings tradition your family trusted, now secured by a smart contract instead of a notebook — five people, one circle, one payout each round, with a record everyone in the circle can see.
Rotating group savings is how minority and immigrant communities have supported each other for generations. Same idea, every time: a small group contributes together, and each round, one member receives the full pot.
JNO Ajo keeps that idea — and takes away the one risk that's always come with it: trusting a human collector.
Every circle is backed by JNO's own reserve, reducing default risk for the group.
Set, verifiable amounts — no cash changing hands, no notebook to lose.
Funds move automatically — no collector to trust, because there isn't one.
Every contribution and payout is recorded and visible to your circle.
A published missed-payment policy and a hardship option protect the group.
KYC/AML verification via Onfido and ComplyAdvantage
Smart contracts independently audited before launch
Every transaction recorded and traceable — no black box
Every circle backed by JNO's own reserve capital
Clear, published rules for missed payments and hardship cases
This isn't a new financial product asking for your trust. It's an old, trusted practice — made safer.
The first circles are filling before launch. Join the waitlist to:
Yes — same idea, same trust, same community structure. We've just replaced the paper notebook and the risk of a collector defaulting with a smart contract that can't.
A wallet that can hold USDC, and ID verification for KYC/AML compliance.
There's a published, fair process: a levy on undeclared missed payments, a two-strike policy, and a hardship declaration option for genuine setbacks.
Every contribution and payout is verifiable and traceable. The smart contract has been independently audited before launch.