Who are Alājo’s partners?

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• Why do we take pictures of the customer’s location?

  Because address alone is not reliable. Pictures help us: • Locate customers physically • Verify existence • Support loan & product delivery • Replace utility bills when unavailable Pictures are compulsory. Addresses are secondary.

• Can a customer be onboarded without a bank account?

  Yes. • Account number is NOT compulsory • Alājo can create a bank account for the customer • That’s why data is collected early We are banking the unbanked, not filtering them out.

• Why can’t agents register customers anywhere they like?

  Because Alājo is structured. Each agent owns a designated territory, to: • Allow marketplace products and loans to be traceable • Build community trust • Saturate one area thoroughly • Avoid confusion and duplication • Ensure long-term growth • Allow ...

• Why do we ask for Next of Kin?

  Because: • People can fall sick • People can relocate • People can die With Next of Kin: • Savings can still be released • There is continuity • Money never gets stuck Traditional Ajo fails here. Alājo fixes it.

• Are BVN and NIN compulsory?

  No. BVN and NIN are NOT compulsory at onboarding. • Any compulsory field has a red asterisk • BVN/NIN are optional and can be completed later • This is intentional because many customers don’t have them yet • Alajo is also modeled to help customers ...