Mto Stable Pay turns Africa's illiquid productive assets — land, infrastructure and agriculture — into verified, tokenised, liquid wealth. Anchored in mineral wealth. Powered by community. Engineered for sovereignty.
Trust by numbers · Year 3 targets
SEC / FIU dual licensed under Finance Act No. 7 of 2025 · 60% local value retention audited by Baker Tilly
Every listing on the MRAX marketplace carries institutional-grade verification, 110% reserve backing and four-tier principal protection.
500Ha Integrated Development · Harare Province
20 facilities · 50-tonne capacity each
200Ha commercial pine plantation · 15-year rotation
Diversified institutional-grade portfolio
Most African communities sit at the source with abundant resources, yet watch the value flow outward — lost to inflation, middlemen and FX friction. Mto reclaims that flow.
Creates and verifies tangible assets: land, farms, roads, energy and carbon projects.
Converts physical assets into digital tokens with 110% reserve backing.
Manages MtoStable liquidity, global settlement, the Mto Card and cross-border rails.
“Two engines. One river. Infinite velocity.”
Across Africa, billions in productive assets remain dead capital — impossible to leverage, trade or finance. Mto exists to solve this.
“You cannot tokenise trust. You must build it.”
Every token represents a verified, compliant, physically observable asset.
“Escape the single-currency trap.”
A stable medium of exchange anchored in physical wealth, not speculation.
“100% protection is not a promise. It is architecture.”
Institutional-grade risk protection for diaspora, pension funds & communities alike.
Invest in verified African productive assets with settlement in 100+ currencies via Thunes, Onafriq and UnionPay corridors.
MtoStable token backed by a 110% multi-currency reserve (40% gold, 30% USD, 30% CNY). Convert to fiat, CNY, or spend via Mto Card.
Fractional ownership from $50. No land title required for credit. USSD (*726#) works on any feature phone; 2,000 tuckshop agents for cash in/out.
Four-tier principal protection: SNIT/Credsure → GuarantCo → ATIDI → Africa Re. Baker Tilly verification embedded in smart contract logic.
Strategic diversification across asset classes, 10 provincial hubs, and multiple risk profiles.
Target yields of 8–12% (real estate), 10–16% (infrastructure), 12–18% (agriculture). Revenue share + appreciation + carbon credit stacking.
From smallholder farmers to sovereign wealth funds — each participant follows a streamlined, protected journey into productive asset participation.
Seamless entry to diversified, high-grade opportunities — with full due diligence records, governance insights, live dashboards, four-tier principal protection and Baker Tilly verification.
Request Institutional PackVerified. Protected. Remote. Acquire Zimbabwean assets with the confidence of a domestic institution — biometric onboarding, instant Thunes settlement (<60s, 0.4%), and LMaaS remote management.
Sign Up NowFractional ownership of tokenised real estate, infrastructure, agriculture and natural capital from just $50. No bank account required — connect via Mto Card, QR and USSD (*726#).
Sign Up NowTurn harvests into liquidity through ZMX warehouse receipts. Access GrowLine credit (6–10%) using yield data as collateral — no land title. AI advisory in Shona and Ndebele.
Access Farmers' BenchManage project governance with the Development Work OS, bid transparently via eRA, and secure milestone-verified payments. Build a portable digital performance record.
Register as ContractorPool capital via UmojaSave (5–8% APR) and digitised Mukando with multi-sig governance. Every ZWL 1 of production generates ZWL 1.77 of community value.
Form a PoolA farmer in Manicaland can secure credit using harvest data, not a land title. A diaspora investor in London can own, verify and manage Zimbabwean assets with institutional-grade protection.
