Ajo, the way you know it. Now with a record everyone can see.
Daily, weekly or monthly. Five members or fifty. Vista tracks who paid, who is next and when the money lands, so the organizer isn’t the only one holding the notebook.
Pick the method your group trusts.
Organizer assigns
The organizer places each member, often by need or by who joined first. Vista blocks duplicate positions.
Members pick
Open numbers are first come, first served. A pick is held for 10 minutes while you confirm.
Spin-to-pick
Vista draws the order at random on its server, records it, then reveals it to everyone with the wheel.
Expected and collected are never mixed up.
Each round shows what should come in, what has actually been confirmed, and who is still due. A payout is only marked complete after the transfer is verified.
The awkward questions, answered before day one.
- Missed paymentsGrace period and late fee are set when the group is created and shown to everyone.
- Leaving earlyIf you’ve already collected, remaining contributions are still due. Replacements are allowed before payout.
- Cancelling a cycleNeeds a member vote. Collected money that hasn’t been paid out is returned.
- One payout per member per cycleBuilt in by default.
Ajo questions
Is Ajo on Vista a savings product with interest?
No. Ajo on Vista is an agreed rotation between members. Everyone pays the same amount and each member collects the pot once per cycle. There are no returns or interest.
What happens if someone doesn’t pay?
The group’s published rules apply: a grace period, then a late fee if the group set one. A member with missed payments is skipped for payout until they settle.
Can the organizer change the fee halfway?
No. Fees are locked for the whole cycle. Changes apply only to a new cycle, and members see them before they rejoin.
Does Vista guarantee that every member pays?
Vista records every payment and enforces the group’s rules, but it can’t guarantee another member’s contribution. Join groups with people you trust.