Tobi Talabi.
All workCase study 01/03

Ajoti

Digitising rotating savings in Africa — building digital infrastructure for community-based savings.

Role
Co-Founder · Frontend Developer / Technical Contributor
Industry
Fintech
Stack
React · TypeScript · Vite · Tailwind · Zustand
Ajoti product screenshot

(02) The Context

The problem

  • Manual ROSCA processes were slow and error-prone.
  • Members had little transparency into contributions and payouts.
  • Administrators had no central place to manage groups.
  • Different roles needed different interfaces and permissions.

(03) My Role

My contribution

  • Project manager for the project
  • Designed and implemented frontend architecture.
  • Built the user-facing application.
  • Built admin and super-admin interfaces.
  • Developed reusable UI components.
  • Implemented state management.
  • Integrated APIs and financial workflows.
  • Worked on wallet and savings experiences.
  • Collaborated with backend/product stakeholders.
  • Improved responsiveness and usability.

(05) The Engineering

One monorepo, three apps: separate user, admin and super-admin applications, free to evolve independently, with a clear permission model per role — consistent where it matters, without forcing every experience through the same interface.

apps/user

Member app

Onboarding, KYC, joining ROSCAs, contributions, payouts, wallet.

apps/admin

Admin app

Running groups and cycles, centralised day-to-day operations.

apps/super-admin

Super-admin app

Platform-wide oversight across admins and communities.

Shared foundation

React · TypeScript · Vite · Tailwind · Zustand

(06) The Product

What it does

Create account
KYC
Join ROSCA
Contribute
Track cycle
Receive payout

(07) Challenges & Decisions

The challenge

Three kinds of user with very different jobs and permissions, in one product that has to feel trustworthy with people's money.

The decision

Separate the experiences by role (user, admin, super-admin) so permissions stay clear and each app can be developed independently.

(08) Results

Impact

  • 3 application interfaces delivered
  • Multiple financial workflows implemented
  • Admin operations centralised
  • Product prepared for production deployment

(09) What I Learned

This went well beyond UI. I learned how financial workflows, permissions and trust mechanisms work — and how product architecture shapes the way people behave.

Next case study — 02

Beafrique

E-commerce