This paper examines the consequences for equity of different patterns of non-state social welfare provision, specifically the informal institutions of reciprocity among families, friends, and village neighbors in rural West Africa. Based on over 18 months of fieldwork in similar regions on either side of the Ghana-Cote d'Ivoire border, this paper challenges many existing assumptions in the literature, revealing that the informal institutions of reciprocity were not only less vibrant overall, but also differed strikingly in terms of who was helping who and how in particular localities. The paper argues that the informal institutions of reciprocity were more exhausted in the Ghanaian villages and more exclusive in the Ivoirian ones. The study highlights that the informal system of non-state social welfare provided by the family, friends, and neighborhood did not simply expand to fill the functional gaps left by the neoliberal retrenchment of the state. The paper concludes that when policies are designed based on an overly romanticized image of kinship and communal reciprocity in Africa, it is the very poor that increasingly fall through the gaps of the state and non-state system of social welfare.