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About Us
our story
Ajopro began with one simple belief — that people shouldn’t have to go into debt to move forward. For years, traditional systems have made borrowing the only way to achieve financial goals. We decided to change that.
Ajopro was built to give individuals and families a better option: a way to plan, contribute, and achieve without paying interest or taking loans. Through innovation, trust, and regulation, we’ve built a transparent platform where every contribution serves a purpose — helping users reach their goals while fostering collective progress in their communities.
Today, Ajopro operates as a registered Payment Service Provider (PSP) under the Bank of Canada’s Retail Payment Activities Act (RPAA), ensuring every contribution is safeguarded in segregated trust accounts with approved financial partners.
our vision
To build a world where everyone can achieve their financial goals without debt or interest — through trust, planning, and shared value.
We envision communities where financial progress isn’t determined by credit history or interest rates, but by discipline, transparency, and participation.
Ajopro’s model replaces interest with balance — creating a path where planning leads to progress, and progress leads to freedom.
our mission
To make financial planning simple, secure, and equitable — using our Net-Zero Interest™ model to replace the cost of borrowing with community-driven balance.
Ajopro enables users to plan ahead, contribute consistently, and access funds confidently — all within a structure that ensures fairness and regulatory compliance.
Our mission is not to lend, but to help people grow through planning — empowering them to take control of their financial future one plan at a time.
our philosophy
NET-ZERO INTEREST™
At the heart of Ajopro lies the Net-Zero Interest™ principle - a cost-benefit system that keeps financial access fair for everyone.
When a user takes an early position, they pay a defined cost to access funds sooner. When another user waits until the end, they earn a reward for their patience. Over time, these costs and benefits balance out - bringing each user’s total cost of access to zero.
It’s a circular model of fairness:
Early access creates benefit, and waiting creates value.
This is how Ajopro achieves Net-Zero Interest™ - not by avoiding interest, but by eliminating it through balance.
In Ajopro, trust replaces interest, and participation creates value.
Our Values
Core Value
What It Means
Trust
Every plan is backed by transparency, accountability, and regulated fund safeguarding.
Fairness
Our system ensures balance — no one pays more than what’s fair.
Inclusion
Designed for individuals, families, and newcomers who deserve equal access to financial progress.
Community
Together, we create shared growth through participation, not competition.
Integrity
We operate under the highest standards of compliance, regulated by the Bank of Canada’s RPAA.