Koajo is a fintech platform that digitizes the traditional rotating savings model (Ajo), transforming a centuries-old community savings practice into a secure, automated, and transparent digital experience. The platform empowers users to build wealth, avoid debt, and achieve financial goals through structured savings pods.

Technologies: Next.js 15, React 19, TypeScript, Tailwind CSS, Sass, Stripe API, Cloudinary, Recharts

Role: Frontend Developer

Project Type: Fintech Web Application

Traditional rotating savings systems have served communities for generations, but they face modern challenges:

- Manual tracking and coordination

- Risk of members or leaders disappearing

- Lack of transparency and security

- No automated payment processing

- Limited accessibility and scalability

I developed a comprehensive web application that modernizes the Ajo concept with:

- Structured Savings Pods: 12 or 24-week automated savings cycles

- Automated Transactions: Seamless contributions and scheduled payouts

- Multi-Goal Support: Create multiple pods for different financial objectives (emergency funds, business capital, debt payoff, etc.)

- Real-Time Dashboard: Track contributions, savings growth, and upcoming payouts

- Secure Verification: KYC/identity verification with Stripe integration for fraud prevention

- Debt-Free Approach: Build wealth without loans or credit checks

- Framework: Next.js 15 with App Router for optimal performance and SEO

- UI/UX: React 19 with TypeScript for type-safe, maintainable code

- Styling: Tailwind CSS and Sass modules for responsive, modern design

- State Management: React Hooks and Context API for efficient state handling

- Form Handling: React Hook Form with custom validation

- Charts & Analytics: Recharts and Nivo for financial data visualization

- Stripe: Payment processing, financial connections, and identity verification

- Cloudinary: Optimized media management for images and videos

- Next-Video: Efficient video asset handling

- Responsive design optimized for all devices

- Intuitive dashboard with real-time financial tracking

- Automated payment scheduling and notifications

- Secure authentication and identity verification flow

- Comprehensive transaction history and reporting

- Accessibility: Made rotating savings accessible to a broader audience beyond traditional communities

- Security: Eliminated risks associated with informal savings groups through verified users and secure payment processing

- Automation: Reduced manual coordination overhead with automated contributions and payouts

- Transparency: Real-time tracking and reporting provide complete visibility into savings progress

- Scalability: Digital platform enables growth beyond local community limitations

## Technical Highlights

- Built with modern React patterns and Next.js App Router for optimal performance

- Type-safe development with TypeScript throughout

- Modular component architecture for maintainability and reusability

- Integrated third-party services (Stripe) for secure financial operations

- Responsive design ensuring excellent user experience across devices

- Comprehensive form validation and error handling

- Optimized asset management for fast loading times

- Balancing traditional financial practices with modern UX expectations

- Implementing secure financial transactions with proper verification flows

- Creating intuitive interfaces for complex financial concepts

- Building trust through transparency and automation in fintech applications