Ajopro helps you plan and achieve your financial goals without debt or interest — using a transparent contribution-based system built on fairness and community trust.
HOW AJOPRO WORKSPLAN. CONTRIBUTE. ACCESS. ACHIEVE.
Ajopro transforms how you reach financial goals – no loans, no interest, no credit checks. Every contribution builds trust, creates opportunity, and brings you closer to your next milestone.
1. Create Your Plan
Choose your goal — whether it's tuition, travel, a home upgrade, or business capital. Select your goal amount, contribution cycle, and duration. Each plan is uniquely yours — not pooled or shared.
3. Build Trust & Position
Every on-time payment increases your Trust Score, improving your access to earlier positions in future plans. Your position determines whether you access funds sooner or earn rewards later – creating a balanced, fair system for all users.
2. Contribute Securely
Make consistent contributions through your Ajopro trust account. All payments are protected in segregated trust accounts under the Bank of Canada's RPAA, ensuring transparency, security, and accountability.
4. Take an Early Position (EPT)
When opportunity or need arises, you can apply for an Early Position Takeout (EPT) to access funds ahead of schedule. Each early position carries a fixed cost, not interest – that cost forms part of Ajopro's Net-Zero Interest™ model. Every cost today becomes a benefit in future plans.
5. Complete Your Plan
As you fulfil your contributions, your plan automatically closes. If you've taken an early position, your balance completes through scheduled contributions. If you're in a later position, your benefit (reward) is credited to your account when your plan ends – offsetting future early costs.
6. Repeat & Grow
With every completed plan, your Trust Score increases, unlocking earlier access options or higher contribution limits. Over multiple cycles, your costs and rewards balance each other out, reducing your true financial cost to zero – Ajopro's Net-Zero Interest™ in action. The more you plan, the closer you get to zero-cost finance.
WHY CHOOSE AJOPROREDEFINING FINANCE THROUGH TRUST
AND BALANCE.
Regulated & Safe
Operating under the Bank of Canada’s RPAA, with all contributions held in trust.
Net-Zero Interest™ Model
Net-Zero Interest™ Model Early access has a cost, waiting has a benefit — over time, they
cancel out.
Built for Inclusion
Ajopro replaces borrowing with balance - helping you plan smarter and achieve more,
one goal at a time.
TESTIMONIALWHAT OUR HAPPY USERS ARE SAYING
“Ajopro helped me plan my tuition without relying on a loan. I love how simple and transparent it is.”
Sofia
Zone MB001
“Every plan builds my trust score. It’s empowering to see discipline rewarded with real opportunities.”
Emmanuel
Zone ON002
“Ajopro helped me fund a home renovation without interest, just structured planning that made sense.”
Vanessa
Zone AB004
“Ajopro helped me plan my tuition without relying on a loan. I love how simple and transparent it is.”
Sofia
Zone MB001
“Every plan builds my trust score. It’s empowering to see discipline rewarded with real opportunities.”
Emmanuel
Zone ON002
“Ajopro helped me fund a home renovation without interest, just structured planning that made sense.”
Vanessa
Zone AB004
OUR PHILOSOPHY — NET-ZERO INTEREST™TRUST REPLACES INTEREST.
PARTICIPATION CREATES VALUE.
Ajopro is built on the principle of Net-Zero Interest™ – a cost-benefit model where every participant’s position contributes to balance. When you take an early position, you pay a small cost for access. When you take a later position, you earn a reward for waiting. Across multiple plans, these offset each other, bringing your total cost to zero. It’s not borrowing. It’s balance. It’s Ajopro.
Are you ready
to start?
Personalise your plan, start your contribution, manage and archive your goals.
Download Our App Free and
Enjoy Exclusive Features!
Enjoy seamless navigation, exclusive content, and personalised experiences right at your fingertips. Don’t miss out on this opportunity.
Ajopro™ is a registered Payment Service Provider (PSP) under the Bank of Canada’s Retail Payment Activities Act (RPAA).
All user funds are safeguarded in segregated trust accounts with approved financial partners.
INTERESTING STORIES ABOUT US
February 11, 2022
Personal finance app for racialized communities
Akeem Adebisi created AjoPro app after seeing marginalized Winnipeggers struggle with their personal finances.
Read More →February 11, 2022
Personal finance app for racialized communities
Akeem Adebisi created AjoPro app after seeing marginalized Winnipeggers struggle with their personal finances.
Read More →February 11, 2022
Personal finance app for racialized communities
Akeem Adebisi created AjoPro app after seeing marginalized Winnipeggers struggle with their personal finances.
Read More →3700
HAPPY CLIENTS
5000
GOALS ACHIEVED
10000000
TRANSACTIONS REACHED
4.9
RATINGS ON APP STORES
OUR PRESENCE
We have offices and teams in Canada & USA.
Canada
Present in 9 Provinces & 3 Territories
Canada
Present in 9 Provinces & 3 Territories
United States of America
Available in Georgia
United States of America
Available in Georgia