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How It Works
overview
SIMPLE. TRANSPARENT. FAIR.
Ajopro helps you plan for life’s important goals without loans or interest.
Every plan follows the same simple cycle - you decide your goal, make regular contributions, and receive your payout or reward based on your position.
Ajopro’s system is powered by the Net-Zero Interest™ model, where the cost of early access is balanced by the reward for waiting. Over time, each user’s total cost of access moves toward zero.
Plan
Contribute
Achieve
plan journey
(Goal → Contribution → Completion)
YOUR PLAN, YOUR JOURNEY.
Every plan on Ajopro is personal and traceable - your goal, your contributions, your outcome.
Here’s how the journey works step-by-step.
Step 1 - Set Your Goal
Choose what you’re planning for - tuition, equipment, family expenses, or travel. Select your target amount, contribution frequency, and plan duration. Once created, your plan is assigned a position within its sequence (early or late).
Step 2 - Contribute Consistently
Your contributions are processed through segregated trust accounts under the Bank of Canada’s RPAA framework. Each payment builds your Trust Score, which improves your eligibility for earlier or higher-value positions in future plans. Your consistency builds both trust and opportunity.
Step 3 - Access with Plan Advance (EPT)
Need access before your plan completes? You can take a Plan Advance (EPT) - a structured option that allows you to access funds earlier for a small, fixed cost. This cost is not interest - it’s a participation cost that contributes to Ajopro’s Net-Zero Interest™ system.
Every cost you pay now is offset by future plan rewards.
Step 4 - Complete Your Plan
Continue contributing until your plan closes. If you took a Plan Advance (EPT), your schedule remains the same; the only difference is that you received funds sooner. If you held a later position, you’ll earn a benefit (reward) for your patience - your contribution plus your share of system balance.
Step 5 - Repeat & Balance Out
very completed plan strengthens your Trust Score and brings your total cost closer to zero. Over multiple plans, costs and rewards even out - proving that fairness and discipline can replace credit and interest This is the Ajopro way - a cycle of balance, not borrowing.
Goal
Contribution
Plan Advance (optional)
Completion
Reward/Next Plan
Net-Zero Interest™ - Where Every Plan Balances Out.
Plan simulator
SEE HOW YOUR PLAN WORKS.
Before starting, explore what your contributions and positions might look like with our Plan
Adjust your goal, cycle length, and trust score to see your potential plan flow.
Ajopro isn’t about lending - it’s about planning with purpose.
Each contribution moves you closer to your goal while building a system where cost and benefit always balance out.
PLAN FIRST. PAY SMARTER. LIVE FREELY.