Market trader
The trader who runs a weekly Ajo
Collects from 12 women at the market. Vista replaces the notebook, sends reminders and shows everyone the same record.
Wallet · Ajo · Cooperatives
Save together. Get paid on time. Every naira on record.
Vista brings your wallet, your Ajo circles and your cooperative into one secure app. Create a contribution group with friends in minutes, see who has paid, and watch your payout arrive in turn.
PIN + biometricsReceipt for every paymentPayout draws you can verify
Market women’s AjoOffice thrift circlesCooperative societiesAlumni associationsTrade unionsCommunity development associationsWelfare groupsFamily savings
One app, three ways to grow money
Everything your money does with other people, in one place.
Available balance
₦248,750.00
Add moneySend
Personal wallet
Receive, send free to other Vista users, pay bills, and get a receipt for every naira.
Explore the wallet₦
Ajo circles
Start or join a contribution group, agree the rules up front, and get paid in turn.
How Ajo worksIkeja Traders Coop.Active
Loan repayment₦18,750
Welfare requestIn review
Communities
Cooperatives and associations run dues, loans and welfare in the app, with a web portal for officers.
For cooperativesA circle in motion
Watch the pot fill, then pay out.
Every contribution lands in the shared pot with a receipt. When the round is fully collected, the payout goes to whoever’s turn it is, and everyone sees it happen.
Lekki Office CircleSample activity
₦10,000 weekly · 8 membersIllustrative data
Spin-to-pick, done fairly
Nobody argues about who collects first.
Choose how payout order is decided: the organizer assigns it, members pick open numbers, or Vista draws at random. For random draws, our server picks and records the order before the wheel moves, and every member can check it.
- Locked before revealA fingerprint of the result is shared with members before the draw.
- No casual redrawsA completed draw can only change through an audited process everyone can see.
- Not a game of chanceNo bets, no paid entries. It only decides the order of an agreed rotation.
HA
TB
CO
EN
AO
IM
FA
NE
Demo draw for an 8-member circlePress the button to reveal position 1. This demo runs in your browser; in the app the result comes from Vista’s server.
From idea to payout
Start an Ajo with friends in four steps.
- STEP 1
Create the circle
Name it, set the amount and how often everyone pays: daily, weekly or monthly.
- STEP 2
Invite and agree
Share a link, code or QR. Each member sees the rules, fees and schedule before joining.
- STEP 3
Contribute on time
Pay from your wallet. Reminders go out before deadlines and everyone sees who has paid.
- STEP 4
Get paid in turn
Once the round is fully collected, the payout is released and receipted.
Watch
See Vista in 20 seconds.
Animated preview. A full AI-produced product film will play here once it is ready.
₦0to send money to another Vista user
3ways to set payout order: assign, pick or spin
6-digitPIN or biometrics on every payment
1 appfor your wallet, Ajo groups and cooperatives
Why groups switch
The small things that keep a circle together.
Reminders
The app does the chasing, not you.
Members get a nudge before each deadline. Organizers see who has paid without a single phone call.
Clear fees
See every naira before you pay.
Contribution₦10,000.00
Vista fee₦5.00
Organizer fee₦20.00
You pay₦10,025.00
Verifiable draws
Sealed before the wheel spins.
Fingerprint published to all membersOfficer portal
Your cooperative’s books, finally in one view.
Dues, loans and welfare in a web portal your officers can share, with statements members can trust.
JanDues collected · exampleAug
Receipts
Proof for every payment.
Pay your way
Top up how you already pay.
Bank transferCardUSSD
Every wallet gets its own account number for transfers from any Nigerian bank.
In control
Freeze your account in one tap.
Who it’s for
Made for the way Nigerians already save.
Three people Vista is designed around. These are illustrative personas, not customer reviews.
Young professional
The graduate saving with friends
Joins an office circle with a link, pays from her wallet and knows exactly when her turn comes.
Cooperative treasurer
The treasurer of a 600-member coop
Moves dues, loans and welfare into one portal and stops chasing payments over the phone.
Bring your circle to Vista.
Join the waitlist and be first to start an Ajo when the app launches.