Africa's sovereign digital infrastructure
Mto Stable Pay transforms Africa's illiquid resources into fluid, accessible, stable wealth. We are not a bank. We are not a crypto exchange. We are digital sovereign infrastructure — privately governed, institutionally compliant, community-rooted.
Make wealth sovereignty operational at scale
To create an integrated digital infrastructure that enables productive assets to participate in modern capital markets while supporting economic growth, financial inclusion and asset sovereignty.
We believe wealth generated locally should stay locally — that a farmer in Manicaland should secure credit using harvest data, not a land title, and that a diaspora investor in London should own, verify and manage Zimbabwean assets with the confidence of a domestic pension fund.
Our Vision — an Africa where
- Land is not dead capital — it is liquid, collateralised and generational
- Farmers are not unbankable — their data is their creditworthiness
- Diaspora capital is not remittance — it is investment with ownership and control
- Communities are not value exporters — they retain 60% of what they produce
- Institutions are not absent — they participate through compliant, guaranteed frameworks
- Currency is not a trap — it is anchored in gold, USD and CNY, verified in real time
Two strategic engines. One river.
Mto operates through two integrated divisions, a unified technology layer and multi-channel access infrastructure — so no one is excluded by technology choice.
Real Asset & Infrastructure Division
Creates, verifies and tokenises tangible assets — Agri-Villages, infrastructure projects, timber stands, ZMX warehouse receipts and carbon sequestration projects.
Key tech · Development Work OS · Farmers' Bench AI · eRA Price Discovery · satellite photogrammetry
Sovereign Capital Division
Manages liquidity, settlement and cross-border utility via the MtoStable token (110% gold/USD/CNY reserve), the Mto Card ecosystem and a payment orchestration layer.
Key tech · PAPSS-integrated clearing · UnionPay QR · Thunes / Onafriq corridors · biometric KYC
Not an offshore experiment
Mto is a Zimbabwe-directed, Africa-rooted, globally connected institution operating within a rigorous regulatory architecture.
VASP Licensed
Registered with the SEC and FIU under Finance Act No. 7 of 2025.
Section 49E Compliant
Directed and managed from within Zimbabwe.
SI 76 of 2025
Digital deed verification integrated with the Deeds Registry.
Tax Aggregation
15% Digital Services Withholding Tax via TaRMS; IMTT deductible for CIT.
Biometric KYC
Smile ID (99.8% accuracy for African skin tones) + ZimDigital ID validation.
AML / Sanctions
Thunes Fortress Compliance screening across 50+ jurisdictions.
Verified, protected, liquid — by design
Mto collaborates with institutional partners across assurance, risk, finance, technology and commodity sectors.
Privately governed. Institutionally compliant. Community rooted.
Start the conversation about your specific context, objectives and constraints.