For the person who already collects
If you run a circle on WhatsApp and a spreadsheet, this is the sheet your members can open themselves. They still pay the way they pay. Jọdá does not hold the pot.
A circle is faces. The sheet is what they share.
We don’t hold the money
Members transfer as they already do. You record it on the sheet.
Everyone sees the same sheet
Paid, owing, and who packs — not a list only you have.
Invite from WhatsApp
One link. They join with a name and a payout account.
The people around the table
Look at the app
Home puts the next unpaid due in front of you: how much, what it is for, and when it was due. Swipe if you run more than one.
Coordinator — same sheet as everyone else.
Look at the app
Open the sheet. Paid, in, and owing are on one card. Members see the same numbers you see — you are not the only person with the list.
Paid this week — same sheet as everyone else.
Look at the app
Overview shows the live cycle, the amount, and who is collecting. Slots and the sheet sit next to chat — not in a side conversation.
Next to pack — same sheet as everyone else.
The coordinator’s desk
Ikorodu Circle, week 5: 10 of 18 paid, ₦90,000 in, 8 still owing. That is the sheet — not another “please those that have not paid” message.
How it works
01
Save on your own first if you want. When you are ready, turn that rhythm into a circle and invite people in.
02
Share a link on WhatsApp. People join with their seat and payout account. You stop collecting details in the broadcast.
03
Each cycle shows who has paid, how much is in, and who still owes. The count is public: 10 of 18 have paid.
04
Home is a due queue — personal plans and circle contributions — not a gallery of things you already paid.
Straight answers. If it is not decided yet, we say so.
No. Jọdá is the sheet, the dues, and the payout order. Members pay the way they already pay — transfer, cash, whatever you agreed. We do not take custody of the pot.
Yes. Record the payment on the sheet when it lands. Checkout through a provider is optional later. The record stays in Jọdá either way.
No. Jọdá runs in the browser and can be saved to the home screen. You can run the sheet yourself. Members who join see what they owe without hunting the chat.
Rotating payout is one model, not the whole product. You can run a personal plan, a circle with a collection sheet, and slots for who packs. You do not have to teach anyone a new kind of savings.
Missed and late sit on the sheet as status, not as a shame post in the group. You and the member both see it. Sitting out is a separate, explicit action when the circle allows it.
People in the circle. The sheet is for the group, not a private notebook. That is the point: fewer arguments about a payment that already happened.
Create the circle, open Invite, share the link in the existing chat. They join with a name and a payout account. You stop collecting account numbers in the broadcast.
Yes. Start a personal plan, pay a few cycles, then invite people into a circle when you are ready. You do not have to launch a full ajo on day one.
We are piloting with coordinators first. There is no public price list yet — create a circle and use it. Pricing will be set with coordinators, not guessed in a landing page.
Your next cycle
Create a circle, invite on WhatsApp, keep dues in the open. You still collect. You stop chasing.
