Ajo is ajo also known as esusu, susu, tanda, or chit, a savings method several hundred million people already use. A group agrees on an amount, takes turns collecting the pot, until everyone's had a turn. It's worked for generations. It breaks in exactly one place: whoever ends up holding the money. Ajo removes that role. Contributions move wallet to wallet, in USDT, on Polygon. What that actually means: • Nobody, including us, ever holds your money, not for a second • No escrow account, no smart contract holding balances, no treasury • The full payout order is visible to the whole circle before anyone contributes a cent • If our server disappeared tomorrow, you wouldn't lose anything, the chain already shows who paid who How to start a circle: 1. Open ajo-kappa.vercel.app in Nimiq Pay Wallet Browser 2. Connect your wallet 3. Set the amount, the rhythm, and share your 6 character invite code 4. Each round, everyone contributes, one member takes the pot, then it rotates 5. Want to just feel the flow first? You can set the contribution as low as $0.1, run a full circle with friends for pennies and watch the rotation happen before you trust it with real amounts. I'll also send 2 USDT (Polygon) to the first 5 people who comment their wallet address below, willing to test a circle alongside me, enough to join in and feel a real payout land in your wallet. Try it: https://ajo-kappa.vercel.app/ Demo: https://youtu.be/yfELRIkdElc