Let's Ajo together
How Ajo used to be, just better. We took a time-tested tradition and made it fly to make credit affordabl
Rank Circles is how Ajo used to be, only smarter and digital. We give you the freedom of credit, without the fear of debt.
How Ajo used to be, just better. We took a time-tested tradition and made it fly to make credit affordabl
How Ajo used to be, just better. We took a time-tested tradition and made it fly to make credit affordabl
Break free from old-school loans.
Break free from old-school loans.
Traditional loans make you jump through endless hoops — crazy interest rates, endless paperwork, repayment drama. Rank Circles are different. We give you access to affordable credit when you need it.
Traditional loans make you jump through endless hoops — crazy interest rates, endless paperwork, repayment drama. Rank Circles are different. We give you access to affordable credit when you need it.
We Screen, You Relax. Not everyone gets in and that’s a good thing.
Insane interest. Endless paperwork. Too many excuses. Circles offer a cleaner alternative. No Collateral. No strings attached
Alabi Godspower
Profile Approved
SLOT 2
Not started
Feb 1 - 31, 25
₦600,000,000
We Screen, You Relax. Not everyone gets in and that’s a good thing.
Insane interest. Endless paperwork. Too many excuses. Circles offer a cleaner alternative. No Collateral. No strings attached
Alabi Godspower
Profile Approved
SLOT 2
Not started
Feb 1 - 31, 25
₦600,000,000
We Screen, You Relax. Not everyone gets in and that’s a good thing.
Insane interest. Endless paperwork. Too many excuses. Circles offer a cleaner alternative. No Collateral. No strings attached
Alabi Godspower
Profile Approved
SLOT 2
Not started
Feb 1 - 31, 25
₦600,000,000
We Screen, You Relax. Not everyone gets in and that’s a good thing.
Insane interest. Endless paperwork. Too many excuses. Circles offer a cleaner alternative. No Collateral. No strings attached
Alabi Godspower
Profile Approved
SLOT 2
Not started
Feb 1 - 31, 25
₦600,000,000
No missing turns, No broken promises.
No missing turns, No broken promises.
We don’t hope your payout arrives,
we guarantee it. If someone slips, Rank steps in to cover your slot. Your money shows up on time, every time.
We don’t hope your payout arrives,
we guarantee it. If someone slips, Rank steps in to cover your slot. Your money shows up on time, every time.
You deserve Zero-Interest Credit
Choose your slot — early or late — and get your payout at zero interest.Yes, really. No fine print. No asterisk.
You deserve Zero-Interest Credit
Love to wait? You get rewarded. Earn up to 15% cashback when you take a later payout slot.
Set your pace. Own your flow.
Daily. Weekly. Monthly. Contribute when it fits. Withdraw when it counts. Join one Circle. Join many. The choice — and rhythm — is always yours
Slot
Contribution
Payout
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Dump the debt trap.
No more high-interest loans.Use Circles to fund life-changing goals — homes, cars, school fees, weddings, business moves
Skip high-interest car loans. Circles lets you team up with others to finance your ride responsibly.
Build or furnish your dream home—without drowning in debt. Circles helps you fund major moves with your trusted network
Invest in education without financial stress. Use Circles to fund tuition, supplies, or training through shared support.
Celebrate big without a financial hangover. Fund your wedding day through Circles—support from people who care
Skip high-interest car loans. Circles lets you team up with others to finance your ride responsibly.
Build or furnish your dream home—without drowning in debt. Circles helps you fund major moves with your trusted network
Invest in education without financial stress. Use Circles to fund tuition, supplies, or training through shared support.
Celebrate big without a financial hangover. Fund your wedding day through Circles—support from people who care
Skip high-interest car loans. Circles lets you team up with others to finance your ride responsibly.
Build or furnish your dream home—without drowning in debt. Circles helps you fund major moves with your trusted network
Invest in education without financial stress. Use Circles to fund tuition, supplies, or training through shared support.
Celebrate big without a financial hangover. Fund your wedding day through Circles—support from people who care
Skip high-interest car loans. Circles lets you team up with others to finance your ride responsibly.
Build or furnish your dream home—without drowning in debt. Circles helps you fund major moves with your trusted network
Invest in education without financial stress. Use Circles to fund tuition, supplies, or training through shared support.
Celebrate big without a financial hangover. Fund your wedding day through Circles—support from people who care
Start Your Journey in 3 Simple Steps
Step 1: Sign Up
Create your Rank account in minutes with your details.
Step 2: Verify & Set Up
Complete your profile and verify your account to unlock full access.
Step 3: Join a Circle
Pick your money circle and unlock access to zero-interest loans.
Step 4: Save & Earn
Grow your savings with interest while building financial freedom.
Start Your Journey in 3 Simple Steps
Step 1: Sign Up
Create your Rank account in minutes with your details.
Step 2: Verify & Set Up
Complete your profile and verify your account to unlock full access.
Step 3: Join a Circle
Pick your money circle and unlock access to zero-interest loans.
Step 4: Save & Earn
Grow your savings with interest while building financial freedom.
Start Your Journey in 3 Simple Steps
Step 1: Sign Up
Create your Rank account in minutes with your details.
Step 2: Verify & Set Up
Complete your profile and verify your account to unlock full access.
Step 3: Join a Circle
Pick your money circle and unlock access to zero-interest loans.
Step 4: Save & Earn
Grow your savings with interest while building financial freedom.
Start Your Journey in 3 Simple Steps
Step 1: Sign Up
Create your Rank account in minutes with your details.
Step 2: Verify & Set Up
Complete your profile and verify your account to unlock full access.
Step 3: Join a Circle
Pick your money circle and unlock access to zero-interest loans.
Step 4: Save & Earn
Grow your savings with interest while building financial freedom.
The Movement
Joined already
Joined already
Joined already
Joined already
Circles is not a myth. It’s a movement.
100,000+ Nigerians already use Circles to save smarter, borrow better, and achieve bigger goals. No banks. No barriers. Just a community that moves you forward
Bank-grade Protection with Peace of Mind
Rank is Central Bank of Nigeria-regulated
NDIC-insured, and your data is always protected.
Custom security. Bank-grade encryption.
24/7 protection from fraud.
Comprehensive Verification Process
Our KYC process protects you from fraud and identity theft.
Two-Factor Authentication
An extra layer of security to protect your account & transactions.
24/7 customer support
We're here 24/7. Message us anytime, anywhere through our app for support.
Bank-grade Protection with Peace of Mind
Rank is Central Bank of Nigeria-regulated
NDIC-insured, and your data is always protected.
Custom security. Bank-grade encryption.
24/7 protection from fraud.
Comprehensive Verification Process
Our KYC process protects you from fraud and identity theft.
Two-Factor Authentication
An extra layer of security to protect your account & transactions.
24/7 customer support
We're here 24/7. Message us anytime, anywhere through our app for support.
Bank-grade Protection with Peace of Mind
Rank is Central Bank of Nigeria-regulated
NDIC-insured, and your data is always protected.
Custom security. Bank-grade encryption.
24/7 protection from fraud.
Comprehensive Verification Process
Our KYC process protects you from fraud and identity theft.
Two-Factor Authentication
An extra layer of security to protect your account & transactions.
24/7 customer support
We're here 24/7. Message us anytime, anywhere through our app for support.
Bank-grade Protection with Peace of Mind
Rank is Central Bank of Nigeria-regulated
NDIC-insured, and your data is always protected.
Custom security. Bank-grade encryption.
24/7 protection from fraud.
Comprehensive Verification Process
Our KYC process protects you from fraud and identity theft.
Two-Factor Authentication
An extra layer of security to protect your account & transactions.
24/7 customer support
We're here 24/7. Message us anytime, anywhere through our app for support.
Still doubting?
We see you, Thomas.
1. What is Rank Circles? site?
Circles is a community-based savings and lending model like rotating savings and credit associations (ROSCA), like Ajo, Esusu, or Adashe. Members contribute to a shared pool, with each member receiving a lump sum in rotation—perfect for reaching big goals like buying a home or car.
What’s the difference between public and private circles?
Private circles are formed with people you know (e.g., family, friends), while public circles are open to anyone looking to save toward similar goals.
How does the rotation work?
Each month or week, one member receives the pooled contributions. The rotation continues until every member has received their lump sum.
Why should I trust that other users are going to pay?
Each user has to sign a legal contract before joining any Circle after going through our credit assessment to make sure that all users can pay their installments. In case other users fail to pay their due amounts, Rank covers their share to make sure you get your full payout on time for members with group subscription.
How does Circles help build credit?
Every contribution and repayment is reported to major credit bureaus, helping you build a positive credit history with each on-time payment.
Do I need a credit score to participate?
No, Rank Circles allow you to join without a credit score and start building one as you contribute.
How are lump sums distributed?
Payout order is decided at the start. You’ll know your payout month from the beginning, so you can plan accordingly.
What if a member can’t make a payment?
If a member faces difficulties, the group can discuss flexible options to support them while keeping the circle intact.
Are there any fees?
Circles is interest-free with a subscription model for premium and commission for payouts offering a transparent, community-driven way to save and grow financially.
Can I join multiple circles?
Yes, you can participate in multiple circles if you’re able to meet the contributions.
How many people can be in a rotating savings group?
In a rotating savings group, you can have a minimum of 3 members and a maximum of 12 members.
How secure is my money?
Rank uses secure technology to manage contributions, ensuring every transaction is transparent and fully protected.
1. What is Rank Circles? site?
Circles is a community-based savings and lending model like rotating savings and credit associations (ROSCA), like Ajo, Esusu, or Adashe. Members contribute to a shared pool, with each member receiving a lump sum in rotation—perfect for reaching big goals like buying a home or car.
What’s the difference between public and private circles?
Private circles are formed with people you know (e.g., family, friends), while public circles are open to anyone looking to save toward similar goals.
How does the rotation work?
Each month or week, one member receives the pooled contributions. The rotation continues until every member has received their lump sum.
Why should I trust that other users are going to pay?
Each user has to sign a legal contract before joining any Circle after going through our credit assessment to make sure that all users can pay their installments. In case other users fail to pay their due amounts, Rank covers their share to make sure you get your full payout on time for members with group subscription.
How does Circles help build credit?
Every contribution and repayment is reported to major credit bureaus, helping you build a positive credit history with each on-time payment.
Do I need a credit score to participate?
No, Rank Circles allow you to join without a credit score and start building one as you contribute.
How are lump sums distributed?
Payout order is decided at the start. You’ll know your payout month from the beginning, so you can plan accordingly.
What if a member can’t make a payment?
If a member faces difficulties, the group can discuss flexible options to support them while keeping the circle intact.
Are there any fees?
Circles is interest-free with a subscription model for premium and commission for payouts offering a transparent, community-driven way to save and grow financially.
Can I join multiple circles?
Yes, you can participate in multiple circles if you’re able to meet the contributions.
How many people can be in a rotating savings group?
In a rotating savings group, you can have a minimum of 3 members and a maximum of 12 members.
How secure is my money?
Rank uses secure technology to manage contributions, ensuring every transaction is transparent and fully protected.
1. What is Rank Circles? site?
Circles is a community-based savings and lending model like rotating savings and credit associations (ROSCA), like Ajo, Esusu, or Adashe. Members contribute to a shared pool, with each member receiving a lump sum in rotation—perfect for reaching big goals like buying a home or car.
What’s the difference between public and private circles?
Private circles are formed with people you know (e.g., family, friends), while public circles are open to anyone looking to save toward similar goals.
How does the rotation work?
Each month or week, one member receives the pooled contributions. The rotation continues until every member has received their lump sum.
Why should I trust that other users are going to pay?
Each user has to sign a legal contract before joining any Circle after going through our credit assessment to make sure that all users can pay their installments. In case other users fail to pay their due amounts, Rank covers their share to make sure you get your full payout on time for members with group subscription.
How does Circles help build credit?
Every contribution and repayment is reported to major credit bureaus, helping you build a positive credit history with each on-time payment.
Do I need a credit score to participate?
No, Rank Circles allow you to join without a credit score and start building one as you contribute.
How are lump sums distributed?
Payout order is decided at the start. You’ll know your payout month from the beginning, so you can plan accordingly.
What if a member can’t make a payment?
If a member faces difficulties, the group can discuss flexible options to support them while keeping the circle intact.
Are there any fees?
Circles is interest-free with a subscription model for premium and commission for payouts offering a transparent, community-driven way to save and grow financially.
Can I join multiple circles?
Yes, you can participate in multiple circles if you’re able to meet the contributions.
How many people can be in a rotating savings group?
In a rotating savings group, you can have a minimum of 3 members and a maximum of 12 members.
How secure is my money?
Rank uses secure technology to manage contributions, ensuring every transaction is transparent and fully protected.
1. What is Rank Circles? site?
Circles is a community-based savings and lending model like rotating savings and credit associations (ROSCA), like Ajo, Esusu, or Adashe. Members contribute to a shared pool, with each member receiving a lump sum in rotation—perfect for reaching big goals like buying a home or car.
What’s the difference between public and private circles?
Private circles are formed with people you know (e.g., family, friends), while public circles are open to anyone looking to save toward similar goals.
How does the rotation work?
Each month or week, one member receives the pooled contributions. The rotation continues until every member has received their lump sum.
Why should I trust that other users are going to pay?
Each user has to sign a legal contract before joining any Circle after going through our credit assessment to make sure that all users can pay their installments. In case other users fail to pay their due amounts, Rank covers their share to make sure you get your full payout on time for members with group subscription.
How does Circles help build credit?
Every contribution and repayment is reported to major credit bureaus, helping you build a positive credit history with each on-time payment.
Do I need a credit score to participate?
No, Rank Circles allow you to join without a credit score and start building one as you contribute.
How are lump sums distributed?
Payout order is decided at the start. You’ll know your payout month from the beginning, so you can plan accordingly.
What if a member can’t make a payment?
If a member faces difficulties, the group can discuss flexible options to support them while keeping the circle intact.
Are there any fees?
Circles is interest-free with a subscription model for premium and commission for payouts offering a transparent, community-driven way to save and grow financially.
Can I join multiple circles?
Yes, you can participate in multiple circles if you’re able to meet the contributions.
How many people can be in a rotating savings group?
In a rotating savings group, you can have a minimum of 3 members and a maximum of 12 members.
How secure is my money?
Rank uses secure technology to manage contributions, ensuring every transaction is transparent and fully protected.
Real People.
Real Stories.
See what Ranksters have to say.
Pelumi Joseph
103K+ members are already eating good. Good things aren’t just for the chosen few. Get in. Confirm the rumours.
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Backed by Prominent Leaders in Fintech
Moni is going after a significant financing gap opportunity in Nigeria. We believe there is a great opportunity for growth by layering on other financial services. The team at Moni is well-positioned to drive financial inclusion, enabling access to credit and in the process create a more prosperous Africa.
Moni is going after a significant financing gap opportunity in Nigeria. We believe there is a great opportunity for growth by layering on other financial services. The team at Moni is well-positioned to drive financial inclusion, enabling access to credit and in the process create a more prosperous Africa.
Kola Aina - Ventures Platform
Kola Aina - Ventures Platform
Temi Marcella
Magic Fund
It's been a great pleasure working with Femi and Dapo. They have deep operating experience in the inclusive finance space which has helped them create a defensible and scalable business. Moni records low default rates, has high NPS from its' customers and benefits from the continued growth of agent aggregators across Africa.
It's been a great pleasure working with Femi and Dapo. They have deep operating experience in the inclusive finance space which has helped them create a defensible and scalable business. Moni records low default rates, has high NPS from its' customers and benefits from the continued growth of agent aggregators across Africa.
Temi MarcellaMagic Fund
MAGIC is delighted to back Moni as they solve a major pain point of credit, across Africa. The infusion of social trust into Moni’s products is unique and we're confident that the team will build economic infrastructure that would impact underserved sectors across Africa.
Michael Seibel - Partner Y Combinator
MAGIC is delighted to back Moni as they solve a major pain point of credit, across Africa. The infusion of social trust into Moni’s products is unique and we're confident that the team will build economic infrastructure that would impact underserved sectors across Africa.
Michael Seibel - Partner Y Combinator
Michael Seibel - Partner Y Combinator
Start Your Journey in 3 Simple Steps
Step 1: Sign Up
Create your Rank account in minutes with your details.
Step 2: Verify & Set Up
Complete your profile and verify your account to unlock full access.
Step 3: Join a Circle
Pick your money circle and unlock access to zero-interest loans.
Step 4: Save & Earn
Grow your savings with interest while building financial freedom.
Start Your Journey in 3 Simple Steps
Step 1: Sign Up
Create your Rank account in minutes with your details.
Step 2: Verify & Set Up
Complete your profile and verify your account to unlock full access.
Step 3: Join a Circle
Pick your money circle and unlock access to zero-interest loans.
Step 4: Save & Earn
Grow your savings with interest while building financial freedom.
Start Your Journey in 3 Simple Steps
Step 1: Sign Up
Create your Rank account in minutes with your details.
Step 2: Verify & Set Up
Complete your profile and verify your account to unlock full access.
Step 3: Join a Circle
Pick your money circle and unlock access to zero-interest loans.
Step 4: Save & Earn
Grow your savings with interest while building financial freedom.
Start Your Journey in 3 Simple Steps
Step 1: Sign Up
Create your Rank account in minutes with your details.
Step 2: Verify & Set Up
Complete your profile and verify your account to unlock full access.
Step 3: Join a Circle
Pick your money circle and unlock access to zero-interest loans.
Step 4: Save & Earn
Grow your savings with interest while building financial freedom.
Join our community. No filters. No fluff. Just the good emails.
Rank is licensed by CBN
Insured by
Company
Address
San Francisco 548 Market St, San Francisco, California, 94104-5401
Join our community. No filters. No fluff. Just the good emails.
Rank is licensed by CBN
Insured by
Company
Address
San Francisco 548 Market St, San Francisco, California, 94104-5401
Join our community. No filters. No fluff. Just the good emails.
Rank is licensed by CBN
Insured by
Company
Address
San Francisco 548 Market St, San Francisco, California, 94104-5401
Join our community. No filters. No fluff. Just the good emails.
Rank is licensed by CBN
Insured by
Company
Address
San Francisco 548 Market St, San Francisco, California, 94104-5401