DKash brings the savings circle you already trust into an app that handles the hard parts — collecting on time, paying out in order, and keeping an honest record everyone can see.
Ajo, esusu, adashe — whatever you call it, the idea is the same. DKash keeps the trust and removes the admin.
Set the amount and how often. Share the invite code with people you trust, or join a public group.
We debit each member automatically on the due date. No chasing, no reminders in the group chat.
Each cycle, one member collects the full pot. The order is set upfront and visible to everyone.
Every on-time payment lifts your Thrift Score — and your score decides how much you can borrow.
A rotating circle only works if what goes in equals what comes out. DKash generates the whole schedule the moment a group starts, and shows it to every member.
Daily, weekly, fortnightly or monthly. Automatic debits, scheduled payouts, and a group chat that comes with it.
A dedicated account number for funding. Send to other DKash users instantly, or out to any Nigerian bank.
Top up any network, buy data, settle electricity and cable. Straight from your wallet balance.
A credit score built from how you actually save. No paperwork, no guarantor, no collateral.
Borrow up to ₦500,000 over 7, 14 or 30 days. Approval reflects your record, not your payslip.
Share your code. When a friend funds their wallet for the first time, your bonus is paid automatically.
Everyone starts at 300. On-time contributions lift your score, missed ones cost you, and finishing a full cycle pays a bonus.
| Tier | Score | You can borrow |
|---|---|---|
| Starter | 300 – 449 | — |
| Bronze | 450 – 549 | ₦20,000 |
| Silver | 550 – 649 | ₦100,000 |
| Gold | 650 – 749 | ₦200,000 |
| Platinum | 750 – 850 | ₦500,000 |
Their contribution is marked missed and their Thrift Score drops, which cuts what they can borrow. Payouts still run on schedule for everyone else. Choose your circle carefully — every member's record is visible inside the group.
No. Once a group is activated the schedule is generated and the member list is locked, because every member's payout depends on the others' contributions. You can leave freely while the group is still a draft.
Neither. Your limit comes from your Thrift Score, which is built from your contribution history. Default on a loan and your score takes a serious hit, so borrowing stays tied to how you actually behave.
Card payment through Paystack, or a bank transfer to the dedicated account number DKash creates for you. Money sent to that account lands in your wallet automatically.
Payments run through Paystack, a licensed Nigerian payment processor. Your wallet cannot go negative, moving money requires a separate transaction PIN, and every movement is recorded in a history you can inspect.
Free to join. Free to run. You only pay when you borrow.