Succeeding together is in our DNA.
Save, borrow, and run cooperatives (*Ajo* / *Esusu*) with total clarity. No paper books. No coordinator running away. Purely automated, secure, and transparent.
โฆ1,245,600.00
โฒ +โฆ12,500 Interest accrued this month
Active Cooperatives
Yaba Agro-Savings Coop
Next payout: July 1st
Lagos Techies Ajo Thrift
12 members rotating rounds
โฆ1.5 Million+
Loan Disbursed
50+
Members Nationwide
2+
Coops & Ajos
100% Secure
Auto-ledgers, No Stories
How Copaddy Works
We've combined the centuries-old strength of Nigerian communal saving (*Ajo*, *Esusu*) with modern technology to guarantee transparency and safety.
Onboard Safely
Verify your identity using your BVN or NIN. This ensures that every member of any cooperative is authenticated, reducing the risk of bad actors.
Create or Join a Group
Find verified agricultural, tech, or investment cooperatives, or initialize your own rotational Ajo savings circle with trusted friends and colleagues.
Automated Savings & Loans
Set automated daily, weekly, or monthly savings rules. Apply for collateral-free loans based on cooperative multiplier rules (e.g. 2x your savings).
Tailored For Every Paddy
Different goals require different setups. Choose how you want to build wealth depending on your walk of life.
Copaddy for Students
Save for hostels, rent, and text books. Collaborate on group contributions with classmates to tackle exams or graduation costs with ease.
Copaddy for Businesses
Form business unions to buy inventory in bulk directly from factories, run cooperative credit funds, and secure low-interest loans.
Copaddy for Professionals
Automate high-yield savings directly from your salary. Create corporate thrift circles to invest in real estate or secure salary advances.
Groups of Friends
Plan that December vacation to Zanzibar, pool cash for wedding contributions, or support members during family events.
Creatives & Creators
Save for camera upgrades, studio spaces, and film gear. Run creative contribution pools with other creators.
Have a custom group?
Create a fully customizable cooperative with custom rules, member limits, and savings multipliers in just 5 minutes.
Paddies Who Trust Us
Hear from members and cooperative managers who have taken their groups digital.
"We used to keep our family cooperative details in an old ledger book, and calculations were always stressful. Since we moved to Copaddy, everything is transparent. Everyone gets notifications when they save, and payouts are automatic. No stories!"
Tunde Adebayo
Adebayo Family Coop Coordinator, Yaba
"Running Ajo with market women used to be risky because anyone could default or run away. Copaddy verifies every user via BVN. The automated savings rule also pulls cash directly from cards, so contributions are never late."
Chioma Okoye
Market Thrift Group Leader, Balogun
"As a tech founder, it is important to save with colleagues. With Copaddy's tech cooperative, we pool funds together. I was able to secure a low-interest loan worth 2.5x of my savings when my computer crashed. Highly recommended."
Femi Olatunji
Tech Hub Coop Member, Ikeja
Modernize Your Group Savings Today
Create an account in 3 minutes, set up your savings rules, and start growing community wealth together.