Savings
Saving is hard because spending is easy. Arcle's savings tools are about discipline — putting money somewhere you won't casually dip into. They work in naira or digital dollars.
Arcle does not pay interest
Savings goals, SafeLock and ajo savings earn no interest and no yield. Your money isn't invested or lent out — you get back exactly what you put in. What you gain is the habit, not a return.
Savings goals — flexible
Name a target — rent, a laptop, an emergency fund — and how long you have. Arcle works out what to put in each day, week or month and moves it for you automatically. Take your money out whenever you like, with no penalty.
Ajo savings — daily, like your collector
Your akawo without the collector: a fixed amount every day for a set time (a month by default), all of it back at the end. Not locked and no penalty — but to leave early you give 3–5 days' notice, just as you'd tell your collector ahead of time. Full details on the Ajo page.
SafeLock — truly locked
For money you must not touch. Lock an amount until a date you choose and it is locked — there is no early break, at any price. Not for a fee, not by asking support. That's the point. It returns to your spendable balance by itself on the date.
Which one?
Goal if you want flexibility. Ajo savings if you want a daily habit with a little friction before you quit. SafeLock only if you want it to be impossible to change your mind.
Fees
A small fee applies to each goal contribution and when you lock with SafeLock — Arcle shows it before you confirm. Ajo savings costs 1% of each payment, with no minimum, so small daily amounts stay cheap.