A digitized and reinvented old Africans savings and borrowing community finance tool. A practice of low income people to save or have a short-term loan. A concept practiced in Nigeria and West Africa called Adashe, Ajo, Otataje and esusu etc. A traditional rotating savings and credit association that has flourished in Nigeria and Africa for generations and is still widely practiced today. The incentive of participating in “Adashe, Ajo, Otataje and esusu” is the forced savings that it encourages; putting aside money today to benefit from a lump sum payment in the future. Subscribing members contribute a fixed amount periodically. The accumulated funds are usually then assigned to each member of the group in rotation, until all have benefited from the Peer group of funds. As a result, each member is able to access a larger sum of money during the life of the association, and use it for whatever purpose she or he wishes.