Simple. Structured.
Progressive.
Plan for real-life expenses and access your money over time - without borrowing.
How a plan works
Create Your Plan
Start with a goal and create your plan. Choose your amount, cycle, and duration.
Contribute & Build Value
Contribute consistently. All funds are safeguarded in regulated trust accounts.
Access & Complete
Access your plan when needed - it continues moving forward until completion.
Your consistency should pay off.
Every contribution builds value through our Net-Zero Interest™ model.
Value Progression
Your plan improves over time
Start with limited access. Stay consistent and watch your plan strengthen.
Value grows
Each contribution builds your plan's total value.
Cost reduces
Consistency lowers your participation cost.
Trust improves
On-time payments build your Trust Score.
Access expands
Unlock better flexibility as you progress.
ACCESS OPTIONS
Access your plan - your way
Choose the option that fits your needs.
Progress Card
Use your plan while it grows
Access part of your plan without stopping progress.
Plan Advance
Access your goal earlier
Get your goal sooner with a fixed cost.
TRUST & SECURITY
Structured for security and transparency
Your funds are safeguarded in regulated trust accounts.
No pooling
Your funds are assigned to your plan - not combined or recycled.
No peer-to-peer exposure
Users do not fund each other. No direct transfers. No shared risk.
Clear separation of funds
Rakoomi safeguards your contributions. Ajopro Financial provides access. Never mixed.
