Kashlet

Kashlet is the Nigerian fintech app that brings your everyday money life together — ajo savings circles, crypto trading, P2P money tools, airtime, data, electricity, cable TV, and more. All in one place. AJO / ESUSU SAVINGS CIRCLES Nigeria's oldest savings tradition, now digital and secure. How it works: Choose a circle — pick a platform template (Weekly, Monthly, Salary Earner, Business Owner, Crypto) or create your own with a custom amount, member count, and schedule. Join or create — pay your first contribution to secure your spot in the circle. The circle fills up — once enough members join, the circle activates and contributions begin. Contribute each cycle — every member pays the same amount, on the same schedule, automatically. Collect your turn — each cycle, one member receives the full pool, in the order they joined. Everyone gets exactly one turn, until every member has collected once. Protected by Kashlet — if a member ever misses a contribution, Kashlet's insurance reserve covers the gap so the rotation isn't disrupted for everyone else. Circle templates: Weekly circles — small, fast-paced savings Monthly circles — steady, structured savings Salary Earner circles — every member connects their bank account to verify real, active income before joining, so you're saving alongside people with a proven income source, not just a claim Business Owner circles — every member's business is checked against Nigeria's official CAC registry before joining, so you're saving alongside verified, registered business owners Crypto circles — contribute and collect in USDC stablecoins Or create your own circle with custom rules — your amount, your members, your schedule. PEER-TO-PEER (P2P) MONEY TOOLS Three ways to move money between people you know: CrowdFund — Raise money from friends, family, or the public. Share your link on WhatsApp, anyone can contribute any amount. Great for school fees, rent, medical bills, or any personal need. BillSplitter — Split a fixed bill equally across however many people. You set the total and the number of slots — each person pays their equal share. Perfect for aso-ebi, group trips, house expenses, or any shared cost. PayBack — Ask people you trust to help you out. Set the amount and a date you hope to return the favor by. Contributors decide whether to help based on your word and relationship. This is not a loan, credit, or lending product — no interest, no collateral, and no lending institution is involved. RECHARGE & BILL PAYMENTS Pay everything without leaving the app: Airtime — MTN, Airtel, Glo, 9mobile Data bundles — all major networks Electricity — all DISCOs across Nigeria Cable TV — DSTV, GOtv, Startimes CRYPTO TRADING Buy and sell Bitcoin, USDT, and more — directly with naira. How it works: Get a live quote — enter how much you want to buy or sell. Kashlet shows you the exact rate, with our fee already included — no charges added later. To buy — pay the naira amount into a one-time bank account Kashlet generates for that trade, and tell us the wallet address to send your crypto to. To sell — send your crypto to the deposit address Kashlet provides, and tell us the bank account to send your naira to. Instant settlement — once your payment or crypto is confirmed, the other side lands automatically: crypto to your wallet, or naira straight to your bank account. Fast rates. No hidden fees. Instant settlement. EARN AS YOU GO ₦1,000 bonus when you join your first savings circle ₦5,000 bonus on your first crypto trade ₦1,000 for every friend you refer who joins a circle or trades VERIFIED & SECURE Full KYC identity verification. Bank-grade security. Your money is protected. Whether you call it ajo, esusu, adashi, or contribution — Kashlet is built for Nigerians who save smart, spend smart, and grow together. Download free. Start today.