Nigeria · Fintech · Building now

Your savings,
safe and seen.

Kalofi gives every contributor real-time visibility over their savings — protecting millions of Nigerians in Ajo, Esusu, Akawo, and Adashe groups from collector fraud.

Get in touch How it works
WhatsApp & USSD ready
Open Banking verified
No hidden fees
All contributions reconciled
Current balance
₦87,500
↑ ₦3,500 this week
Mama Ngozi
Your collector · 12 members
40M+
Nigerians in Ajo & Esusu savings
₦1.2T+
Annual savings at risk
57%
Adults with no formal credit file
How it works

Works on any phone. Every time.

1
Collector logs the contribution
Takes seconds. Every entry is timestamped and immutable — cannot be changed after submission.
2
You get an instant alert
WhatsApp, SMS, or app notification — you see every naira the moment it is logged.
3
Check your balance any time
WhatsApp, web, app, or USSD. No internet needed for the balance check. Any phone.
4
Early warning if anything is wrong
Kalofi raises the flag before a collector disappears — not after months of silence.
The journey

Built for the long run.

Starting with accountability. Ending with full financial services for everyone.

1
Trust
Accountability · Now
2
Monitor
Bank oversight · Year 1
3
Credit
Loans from savings · Year 2
4
Platform
Full financial services · Year 4+
Who we serve

For collectors and contributors.

Two sides of the same trust relationship — both protected by Kalofi.

Contributors
  • Market traders saving weekly or monthly
  • Group rotation and individual savers
  • Families building financial discipline
  • Anyone who wants proof their savings are safe
Collectors
  • Alajo, akawo, and Esusu collectors
  • Collectors who want to prove their honesty
  • Cooperatives and savings associations
  • Anyone whose reputation is their asset
Starting in Abia and Anambra States, Southeast Nigeria
Building toward pan-Nigeria coverage — Ajo, Esusu, Akawo, and Adashe communities across all regions
Our promise

Four things we will always do.

Not features. Commitments.

Your money stays yours
We never hold your savings. We make the person who does accountable to you.
Always transparent
Check your balance any time. WhatsApp, app, web, or USSD — always available.
Early warning, not late grief
We signal a problem before a collector disappears — not after months of silence.
Savings build your credit
Consistent saving becomes a credit history that opens doors to formal finance.