Digital Smart Environment · Flagship Project
SmartThrift — Save Together, Thrive Together.
SmartThrift (formerly Ajo) brings the traditional savings group experience into the modern era. Built by Digital Smart Environment, it lets people run rotating contribution groups, save towards personal goals, and pool funds for shared purposes — all from their phone.
SmartThriftWhat SmartThrift Does
Three ways to save, one simple app.
SmartThrift is one of the projects executed by Digital Smart Environment, showcasing our end-to-end ability to design, develop, and deliver a full digital product — from backend services to a member-facing mobile app and an admin console.
01 · Rotating Savings
Group Contributions
Members form contribution groups, each contributing an agreed amount on a regular basis. The pooled funds are then disbursed to one member per cycle until every member has received their turn.
- Custom contribution amount and cycle schedule
- Daily, weekly, or monthly contributions
- Rotation order set by the group admin
- One member collects the pooled payout each cycle
02 · Goal-Based Budgeting
Individual Savings
Users can set aside a fixed amount of money for a defined period and initiate a payout once their savings goal is reached.
- Name a plan after its purpose — rent, school fees, a project
- Set the amount, frequency, and duration that suit the goal
- Pay into the plan from your wallet at each interval
- Request a payout as soon as the goal is reached
03 · Shared Goals
Pool Collection
A group can be formed to collect funds that will be used for a specific purpose agreed upon by the members — a project, an event, or a shared goal. The collected funds are held and later disbursed according to the group's decision.
- Create a group around a shared purpose
- Members contribute towards the agreed target
- Every contribution is tracked per member
- Funds are held, then disbursed by the group's decision
Wallet-first payments
Fund every group, plan, or pool straight from your in-app wallet.
Funds held securely
Contributions are held safely until it is time to disburse them.
Transparent cycles
Every contribution, cycle, and payout is tracked per member.
Payouts to your bank
Withdraw your savings straight to your saved bank account.
The Build
A complete, production-ready product.
SmartThrift ships as one platform: a member mobile app, the backend services that move the money, and an admin console for operations.
Member Mobile App
The member-facing app for contribution groups, personal savings plans, pool collections, and wallet management on the go.
Backend Services
Secure APIs powering groups, contribution cycles, savings plans, pools, payouts, and wallets.
Admin Console
An internal console for platform administration, user management, and operational oversight.
Want a product built like SmartThrift?
Digital Smart Environment can design, develop, and deliver your next digital solution end-to-end.