Akawo / Susu / Esusu Platform

Your Akawo Business.
Fully Digital.

Your name. Your clients. Your money going straight to your account. Binoova is the silent engine powering your entire savings operation — without ever touching a kobo.

Start Free — 30 Days See How It Works
Money stays with you Your brand everywhere Live in 24 hours 30-day free trial
500K+
Potential Operators in Nigeria
₦0
Binoova holds of your money
30
Days free — no card required
Nneoma's Akawo Dashboard
ChiSave Cooperative · Port Harcourt
● Live
FC
Fatima Chukwu
Daily · ₦2,000 · Day 18 of 30
₦36,000
AO
Amara Okeke
Weekly · ₦10,000 · Week 6 of 12
₦60,000
BI
Blessing Ike
Monthly · ₦25,000 · Month 3 of 6
₦75,000
KA
Kemi Adesola
Weekly · ₦5,000 · Week 10 of 12
₦50,000
94Active Savers
₦1.2MThis Month
4.8★Avg Rating

Africa's Oldest Savings Tradition, Now Digital

Akawo, Susu, Esusu, and Ajo have powered communities across Nigeria for generations. Binoova gives every operator a complete digital business — without changing how the tradition works.

💼

Akawo / Ajo

Common in South-South and South-West Nigeria. Daily or weekly collections remitted on rotation to members.

🔄

Esusu

Predominantly Yoruba. Members contribute equally each cycle; one member receives the full pot in rotation.

🤝

Susu

Widespread across West Africa. Binoova supports Susu in all its forms — rotating, target savings, and custom groups.

⚙️

Binoova Powers All

One platform for every format — daily, weekly, or monthly. Any group size. Any saving amount. Any Nigerian state.

We Never Hold Your Money

Squad remits every naira directly to your account. Binoova only provides the tools and records.

Your Brand Everywhere

Your SMS Sender ID. Your subdomain. Your virtual account name. Clients see your business, not Binoova.

Any Payment Method

Savers pay via card auto-debit, USSD, or direct bank transfer. No smartphone needed to participate.

Saver Trust Scores

Every saver earns a 1–5 star rating. Reliable savers are rewarded. Defaulters flagged immediately.

How Binoova Works for Operators

From sign-up to your first live collection in as little as one day.

1

Subscribe & Onboard

Start your 30-day free trial — no card required. Once ready, subscribe (₦6,000/month or ₦50,000/year). Complete Squad KYC — BVN, government ID, bank details. Your subdomain, operator dashboard, and SMS Sender ID go live within 24 hours.

2

Enrol Your Savers

Share your personal Binoova link with clients. Each saver sets their contribution amount, frequency (daily / weekly / monthly), and end date. Their card is registered for auto-debit and a virtual bank account bearing your business name and their name is created instantly.

3

Savers Pay — Money Goes Straight to You

On each scheduled date, Squad auto-debits the saver's card and remits directly to your registered bank account. Binoova never touches the money. An instant SMS fires from your business Sender ID confirming every payment.

4

Records Update in Real Time

Squad sends transaction data to Binoova. Your operator dashboard and the saver's client dashboard both update instantly. Every payment is timestamped and visible to both parties — no paper, no disputes, no "I didn't pay".

5

Scores, Analytics & Growth

Savers earn 1–5 star consistency ratings. You see full analytics — total collections, saver breakdown, defaulters flagged. Reliable savers refer their friends. Your client base grows and your reputation as a professional operator builds automatically.

📋 Live Example — Monthly Akawo Group
Group Size12 Savers
Monthly Contribution₦20,000 each
Total Pot per Cycle₦240,000
Operator Coordination Fee₦5,000/month
Payout FrequencyMonthly rotation
Auto-debit Date25th of every month
SMS Sender IDChiSave
Money remitted toOperator's account
Annual operator earnings₦60,000

This is from coordination fees on one 12-person group. Operators with 94 savers across multiple groups earn significantly more — from a ₦6,000/month or ₦50,000/year platform subscription.

Everything Included in Your Subscription

One subscription. Every tool you need to run a professional digital Akawo operation — no technical team, no extra software.

Your Own Branded Subdomain

Get a personalised business link (e.g. nneoma-savings.binoova.com) the moment you subscribe. Share it with clients so they know exactly who they are saving with — your name, not ours.

  • Branded operator page
  • Web & mobile saver dashboard
  • Operator admin dashboard

Automated Card Auto-Debit

Savers register their card once. On every scheduled date — daily, weekly, or monthly — their card is charged automatically. No chasing, no phone calls, no missed collections.

  • Recurring card auto-debit
  • USSD & bank transfer support
  • Missed-payment instant alerts

SMS from Your Business Name

Every payment triggers an instant SMS to the saver — sent from your verified Sender ID, not from "Binoova." This single feature builds professional trust the moment a client joins.

  • Verified SMS Sender ID (NCC registered)
  • Real-time payment confirmations
  • Load SMS units as needed

Virtual Bank Account per Saver

Each saver gets a dedicated virtual account bearing your business name and their own name. They can pay in via direct bank transfer from any Nigerian bank or via USSD — no card required.

  • Named virtual accounts (via BVN)
  • USSD payment codes
  • Instant bank transfer support

Saver Consistency Ratings

Every saver automatically earns a 1–5 star rating based on their payment consistency. Reward your most reliable savers. Identify defaulters early. Build a culture of trust in your group.

  • Automatic 1–5 star ratings
  • Private — savers see only their own rating
  • Data never sold or shared

Smart Business Analytics

See who has paid, who is behind, total collections this week, defaulter flags, saver growth over time, and business performance — all from one clean dashboard on web and mobile.

  • Real-time collection tracking
  • Individual saver payment history
  • Weekly & monthly business reports

How the Money Flows

Transparency you can show your savers. Binoova never appears in the money chain — not even once.

👤
Saver

Card / USSD / Bank Transfer

💳
Squad

Secure payment processor

🏦
Your Account

Money remitted directly

Transaction data also sent to both Binoova dashboards

Binoova never holds, processes or touches your money. Our role is records, SMS notifications, dashboards and saver ratings — nothing else.

Operators Running Their Akawo on Binoova

Real operators across Nigeria — from market squares to offices — running professional digital savings operations every single day.

🏦
ChiSave Cooperative
GRA Phase 2, Port Harcourt · Rivers State
Verified
Akawo Operator — Featured Subscriber

Before Binoova, I managed 30 clients maximum and spent my whole morning chasing payments by phone. Now I have 94 active savers, the system charges them automatically, and I spend that time growing my client base. My clients trust me more because every payment is confirmed by SMS from ChiSave — not from any random number. It completely changed how people see my business.

94 Active Savers Active 8 months 4.9 Avg Rating ₦1.2M collected this month
94
Active Savers
₦1.2M
This Month
Avg Saver Rating
Nneoma
Nneoma Chukwu
Founder & Lead Operator
🇳🇬 Nigeria
🤝
GracePoint Esusu
Ariaria Market, Aba · Abia State
Verified
Esusu Operator

My Ariaria Market traders trust me more now. They see their records on their phones and refer friends. I grew from 18 to 55 clients in four months without spending a naira on adverts.

55 Active Savers Market Traders
Grace
Grace Nwosu
Esusu Operator
🇳🇬 Nigeria
💰
Eko Akawo Club
Surulere, Lagos State
Verified
Akawo Operator

Running Akawo in Lagos with busy market women is not easy. Binoova solved everything — auto-debit, instant SMS, every client sees their balance on their phone. No one quarrels with me again.

78 Active Savers Market Women & Traders
Adaeze
Adaeze Okonkwo
Akawo Operator
🇳🇬 Nigeria
🌟
Capital Susu Circle
Wuse 2, Abuja · FCT
Verified
Susu Operator

Civil servants in Abuja wanted proof of every transaction before joining. With Binoova, every debit is logged, every SMS is sent. My group doubled in 3 months purely from referrals.

42 Active Savers Civil Servants
Ibrahim
Ibrahim Suleiman
Susu Operator
🇳🇬 Nigeria
👑
Warri Women Ajo
Effurun, Delta State
Verified
Ajo / Akawo Operator

I run Ajo for petty traders across Warri and Effurun. The daily collections were killing me — now Binoova debits them and I just check my dashboard. My clients love the star rating system.

36 Active Savers Daily Collections
Ese
Ese Omoruyi
Ajo Operator
🇳🇬 Nigeria
🏪
Kano Traders Esusu
Sabon Gari Market, Kano
Verified
Esusu Operator

My traders at Sabon Gari needed a savings system they could trust without carrying cash. Binoova gave them that. Each one sees their record in real time. I now have a waiting list to join my group.

48 Active Savers Sabon Gari Traders
Musa
Musa Garba
Esusu Operator
🇳🇬 Nigeria

Is Your Akawo Business Listed Here?

Every active Akawo subscriber gets a free listing on this page — your business name, city, story, and a Verified Subscriber badge. No extra fee. Just subscribe and we'll reach out.

Subscribe & Get Listed Request Listing

What Operators Are Saying

Real stories from Akawo, Esusu and Susu operators who digitised their operations with Binoova.

"Before Binoova, I managed 30 clients maximum and spent my whole morning chasing payments. Now I have 94 savers and the system handles everything automatically. My clients trust me more because they get SMS from ChiSave — not from any unknown number."

Nneoma
Nneoma Chukwu

Akawo Operator, Port Harcourt · 94 active savers

"My Ariaria Market traders wanted proof of every debit before they could trust me. Binoova gave them that. They open their phone and see everything. I grew from 18 to 55 clients in four months without spending a kobo on advertising."

Grace
Grace Nwosu

Esusu Operator, Aba · 55 active savers

"Civil servants in Abuja are serious people — they wanted full records and transparency before joining my Susu. With Binoova, every debit is logged, every SMS is sent. My group doubled in three months purely on referrals."

Ibrahim
Ibrahim Suleiman

Susu Operator, Abuja · 42 active savers

"Running Lagos market Akawo is chaotic. Binoova brought order — automatic debit, instant confirmation SMS, clients check their own balance anytime. Nobody calls me asking 'did you collect my money?' anymore. That alone was worth the subscription."

Adaeze
Adaeze Okonkwo

Akawo Operator, Surulere, Lagos · 78 active savers

Simple, Transparent Pricing

Start with a full 30-day free trial — no credit card, no commitment. Upgrade when you're ready. One flat subscription covers everything.

🎁

Free Trial

₦0

30 days · No card required

Full access for 30 days
  • All features unlocked for 30 days
  • Operator & saver dashboards (web & mobile)
  • Your own branded subdomain
  • Squad KYC onboarding included
  • Automated collections & virtual accounts
  • SMS confirmations (units purchased separately)
  • 1–5 star saver ratings
  • No credit card needed to start
Start Free Trial
📅

Monthly

₦6,000/mo

Billed monthly · Cancel anytime

  • Up to 500 active savers
  • Operator & saver dashboards (web & mobile)
  • Your own branded subdomain
  • Automated collections via Squad
  • Virtual bank accounts per saver
  • SMS confirmations (units purchased separately)
  • 1–5 star saver consistency ratings
  • Free listing on Binoova community page
Get Started
🚀

Annual

₦50,000/yr

Save ₦22,000 vs monthly · Best value

Save ₦22,000 per year
  • Up to 500 active savers
  • Everything in Monthly plan
  • Priority onboarding support
  • Dedicated account manager
  • Advanced business analytics
  • Team sub-accounts
  • Featured listing on community page
  • Auto-upgrade when you cross 500 savers
Get Best Value

SMS units are purchased separately and loaded as needed. Squad API onboarding included at no extra cost from Binoova.

All plans include the 30-day free trial. Upgrade to monthly or annual when you're ready — no pressure.

Operator FAQs

Everything you need to know before getting started.

Does Binoova hold or process my savers' money?
No. Binoova never holds, processes, or touches any money at any point. Squad (HabariPay) handles all payment processing and remits funds directly to your registered bank account. Binoova only receives transaction confirmation data to update dashboards and send SMS notifications.
What does the 30-day free trial include?
The free trial gives you full access to every feature — branded subdomain, operator dashboard, saver enrollments, automated collections, virtual accounts, SMS (units purchased separately), and saver ratings. No credit card is required to start. After 30 days, choose a monthly (₦6,000) or annual (₦50,000) plan to continue.
What does the SMS from "my business name" look like?
When a saver's payment is confirmed, they receive an SMS from your registered Sender ID — for example "CHISAVE" or "GRACEPOINT". The message says something like: "Dear Fatima, your contribution of ₦2,000 to ChiSave has been received. Balance: ₦36,000. Thank you." Clients never see "Binoova" anywhere in the message.
How does the virtual bank account work?
Each saver gets a virtual account created via Squad's API. The account name contains your business name and the saver's name (e.g. "ChiSave / Fatima Chukwu"). The saver pays into this account via direct bank transfer or USSD from any Nigerian bank. No card required. Funds are collected and remitted to your account automatically.
Can I run Akawo, Esusu, and Susu simultaneously on one account?
Yes. The platform supports any rotating or target-savings format — Akawo, Esusu, Ajo, or Susu — and you can run multiple group types with different frequencies and terms simultaneously under one operator account.
Do I need technical skills or a team to set this up?
None at all. Once you sign up and complete Squad KYC (BVN, ID, bank details), Binoova activates your subdomain, dashboard, and Sender ID automatically. You share your link with savers; they register themselves. The system handles collections, records, and SMS from that point — no coding, no IT staff needed.
Can I use Akawo and Pay Small Small (Merchant) together?
Yes. Both products are separate modules within the same Binoova platform. You can run an Akawo savings operation while also offering pay-small-small as a merchant. Manage each from separate dashboards under one account.
Start Your Free Trial Today

Run Your Akawo Like the Business It Is.

Join operators across Nigeria who have digitised their Akawo, Esusu and Susu operations. Start free for 30 days — no card, no commitment. Your money always stays yours.

We will send your onboarding link within 24 hours. No credit card required for the free trial.

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