Save together.
Grow together.
Kashlet digitizes Esusu, Ajo & Susu savings circles with a bank-grade ledger. Plus Peer2Peer — peer-to-peer financial help from your circle, instantly. And Trade — buy and sell crypto in seconds.
2,400+ members already saving
Good morning
Tunde A.
Total Saved
₦240,000
Next payout: Jan 15 · Circle #3
My Circles
Family Circle
₦50,000/mo · 3/5 members
Work Ajo
₦20,000/mo · 5/5 members
Peer2Peer
Medical · ₦75,000 requested
Payout sent!
₦250,000 → GTBank
₦30,000 raised
3 contributors
2,400+
Active Members
₦10M+
Total Saved
147
Circles Created
4.8★
Play Store Rating
Simple by design
How Kashlet works
Three steps from sign-up to your first payout.
Create or join a circle
Start your own savings group with a fixed contribution amount, pick a cycle length, and choose Naira or USDC. Or join an open circle instantly.
Everyone contributes each cycle
All 5+ members contribute the agreed amount every cycle. 5% auto-allocates to an insurance reserve. Every payment is immutably recorded.
Receive your payout in turn
Each member takes turns receiving the full pool — to your bank account, mobile money, or USDC wallet.
Buy and sell crypto,
right inside Kashlet.
Trade Bitcoin, USDT and more for Naira, instantly and securely, through our SEC-registered digital assets partner. No separate exchange app needed.
Buy Crypto
InstantFund your wallet with Bitcoin, USDT and more, paid for instantly with Naira via bank transfer or card.
Sell Crypto
Fast payoutCash out your crypto straight to any Nigerian bank account, usually settled in minutes, not days.
First Trade Bonus
New tradersBuy $100 or more of any crypto on your first trade and earn ₦5,000 recharge credit, added to your wallet instantly.
How Trade works in 3 steps
Step 01
Choose crypto and amount
Pick Buy or Sell, select your crypto, and enter how much you want to trade. See the live rate upfront, no surprises.
Step 02
Confirm your trade
Review the exact rate and amount, then confirm. Buys are paid via bank transfer or card, sells send crypto to a secure Kashlet deposit address.
Step 03
Get paid instantly
Crypto lands in your wallet, or Naira lands in your bank account, usually within minutes of confirmation.
Crypto services provided in partnership with an SEC-registered Digital Assets Operator.
Your circle has your back
when you need it most.
Peer2Peer is peer-to-peer financial help — request money from your network, share a link, and get funded in minutes. No bank. No interest. Just your community.
CrowdFund
Most popularAsk your network for financial support — medical bills, emergencies, or any personal need. People who care show up.
PayBack
Pay it backAsk your circle to help you out, with a clear date you promise to pay them back — no bank, no collateral.
BillSplitter
Group expenseSplit any shared expense among your group — events, house items, group travel. Everyone pays their share via a link.
How it works in 3 steps
Step 01
Create your request
Choose a type, set the amount (up to ₦10M), write a short description, and publish.
Step 02
Share your link
Your unique payment link goes to WhatsApp, family, friends — anyone who wants to help.
Step 03
Get paid instantly
Contributors pay securely via Paystack. Funds go directly to your bank account — no middleman.
Your savings circle
in your pocket.
Download the Kashlet app by Kashlet Digital Services. Manage your savings circles, send Peer2Peer requests, and track every payout — all from your phone.
Available now on the App Store and Google Play
Peer2Peer
Medical Help
Recent contributors
Tunde A.
2m ago
₦20,000
Chioma O.
5m ago
₦15,000
Emeka B.
12m ago
₦40,000
Contribute now →
Your money is protected
at every step.
Built on the same principles as core banking systems. Every financial event creates an immutable, forensically auditable trail — enforced at the database level, not just application code.
// Every contribution: 2 atomic transactions
TX1 · Member contributes:
DEBIT savings_account ₦50,000
CREDIT pending_payout ₦50,000
TX2 · Insurance reserve:
DEBIT pending_payout ₦2,500
CREDIT insurance_reserve ₦2,500
✓ Balanced · ✓ Idempotent · ✓ Immutable
Real stories
Trusted across Nigeria
“Our office ajo used to be managed in a WhatsApp group. Now every naira is tracked automatically and nobody can dispute who contributed what.”
Chidera O.
Office Manager · Lagos
“My relatives abroad contribute in USDC and everyone sees the same records. The immutable ledger gave our family circle the transparency we needed.”
Fatima K.
Diaspora Member · London
“I used Peer2Peer when I had a medical emergency. Within hours my circle had funded my request. No paperwork, no stress.”
Emeka B.
Circle Member · Abuja
Ready to save together?
Create your circle in 2 minutes. Invite your group, set the amount — we handle the rest. Or try Peer2Peer for instant peer-to-peer help.
Download the app